First-time buyer

Your first step onto the property ladder

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

  • Apply for an Agreement in Principle in as little as 10 minutes
  • Totally paperless digital journey so you can apply at home, whenever suits you
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Not sure where to begin?

Start your mortgage application

Get a personalised offer with an Agreement in Principle. It won’t affect your credit score

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Guides to help your journey

How much can I borrow?
Find out how lenders decide how much to lend you
Mortgage myths busted
We reveal the facts behind the first-time buyer fiction
How to make an offer on a house
Understand the process and learn how to make an offer on a property with our guide
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Best Online Mortgage Lender 2019-2020 Award

Why Post Office? Here’s why:

Bank of Ireland are a UK bank who share our vision to put you first. For ten years, they have helped us serve 29 million customers through our branches, by phone and online. Together we:


  • Offer our 60,000 mortgage customers affordable solutions
  • Can give you access to loans, mortgages and savings
  • Challenge other UK banks by offering you a genuine, accessible alternative, and one you can trust.
Best Online Mortgage Lender 2019-2020 Award

What to look out for when buying your first home

Fixed rates

The biggest advantage of a fixed rate is that you know exactly what your repayments will be for a pre-agreed length of time, as they will not change no matter what happens to wider interest rates.

Monthly repayment cost

This is a fixed cost each month. Knowing this cost will help you to determine if the mortgage is affordable for you, and to budget for the repayments.

Variable rates

A variable rate mortgage moves up and down in line with wider interest rates, so your rate of interest and therefore your monthly repayments can change.

Agreement in principle

Know how much we’ll be able to lend you in principle without commitment. Just provide a few details about yourself. This will not affect your credit score.

Penalties for late/missed payments

It's worth noting what to expect in the event payments are late or missed so that you can decide if it's something you're willing to accept.

Early repayment options

You might be in the position to repay your mortgage earlier than your agreed term. It’s good to be aware of your options as you might be able to do it without fees.

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Top First Time Buyer FAQs

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Contact us or apply

Apply online

Complete your Agreement in Principle application fully online

Need some help? Call us

We are available 9am-5pm Monday-Friday Closed on Saturdays and 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 (