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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™  (New)

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

Post Office Family Link™ Mortgage

First Start (New)

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

First Start Mortgage

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.

Fixed Rate Mortgages


Monthly payments which fluctuate in line with the Bank of England Base rate. This means your mortgage repayments could go up or down over time.

Tracker Mortgages


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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

What's an Approval in Principle (AIP)?

An Approval in Principle (AIP) is also known as an Agreement in Principle, Decision in Principle, Mortgage in Principle or a Mortgage Promise. An AIP is useful if you want to know how much you could borrow. If you provide Post Office with a few personal details about you and anyone else who will be named on the mortgage we'll give you a statement of how much we'll be able to lend to you in principle (don't worry, we're not committing to anything at this stage). You'll need to request an AIP before completing a full mortgage application.

How much could I borrow and what deposit do I need?

Your deposit will be one of the biggest costs when you pay for your property. Deposits usually range between 5% to 40%. It is generally the case that having a larger deposit will mean you can get a mortgage with lower interest rates. You can get an estimate of how much you may be able to borrow with our affordability calculator.

How do I know if I'm eligible for a Post Office mortgage?

There are a few things to consider before you apply. We have some key lending criteria below:

You must be at least 18 and your mortgage must usually end before you reach 75

The term of the mortgage must be a minimum of five years and up to a maximum of 35 years

You must have a clean credit history

You must normally have a minimum household income of £20,000

You must be buying a UK property

You must be a UK resident or have full rights to reside in the UK

What other costs do I need to consider when buying my first home?

Although buying your first home is an exciting time, there are some costs associated with this purchase that you need to think about. These may include; your deposit, stamp duty, legal fees, a property valuation, removal costs, buildings insurance, and the ongoing maintenance and running costs of the property. It's certainly worth doing your research to make sure you're covering your costs.

How can I apply for a mortgage with Post Office?

You can apply for a Post Office Mortgage either on the phone or online.

By phone
Call us on 0800 707 6206. We’re open 8.30am – 7.30pm Monday to Friday and 9am – 1.30pm Saturdays – Closed on Sundays

If you're thinking about applying online make sure you've reviewed our product range in full. If you'd like some help along the way, our experienced advisers are just a call away.

Where can I go for advice?

If you need help deciding which mortgage is right for you, you can speak with one of our mortgage advisers on the phone.

Call us on 0800 707 6206. We’re open 8.30am – 7.30pm Monday to Friday and 9am – 1.30pm Saturdays – Closed on Sundays

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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 8.30am-7.30pm
Mon-Fri and 09.00am-1.30pm Sat
Closed on Sundays

Small print

Subject to status and lending criteria. Written 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 ( or by contacting the FCA on 0800 111 6768.