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Now your first step doesn’t feel like such a big leap anymore

Post Office Money® Mortgages are provided by Bank of Ireland UK

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Mortgages for First Time Buyers

Post Office Family Link™  

Your parents or close relatives could help fund your deposit without touching their savings by using the value in their home.

First Start 

Let your family help you get more for your money without having to contribute towards your deposit by acting as a sponsor.

Fixed Rate

Peace of mind and security with our fixed rate mortgages. Know exactly what your monthly payments will be for a set period of time.


A standard mortgage rate that is not fixed and can be varied at any time. This means your mortgage repayments could go up or down over time.


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How much can I borrow?

Use our simple calculator to see how much you could borrow based on your current circumstances

Our mortgages

View our full range of mortgages and find one that suits your needs

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Top First Time Buyer FAQs

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Contact us or apply

Arrange a call back

Select a time that suits you best and we will give you a call back

Ways to apply

Find out what you will need when applying online or by phone

Call us on

0800 707 6206
We are available 9.00am-17.00pm Mon-Fri
Closed on Saturday/Sundays

Small print

Subject to status and lending criteria. Written mortgage illustrations available upon request. Borrowers must be aged 18 or over.


Post Office Money® Mortgages are provided by Bank of Ireland (UK) plc. Post Office Limited is an appointed representative of Bank of Ireland (UK) plc which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Post Office Limited is registered in England and Wales. Registered Number: 2154540. Registered Office: Finsbury Dials, 20 Finsbury Street, London, EC2Y 9AQ. Post Office Money® and the Post Office Money® logo are registered trademarks of Post Office Limited. Our FCA Register Number is 409080. You can confirm our registration on the FCA's website (