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Life’s not fixed but our range of remortgage options can be. Free up funds, reduce payments or borrow into retirement.

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

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Due to the coronavirus pandemic, we have changed our opening hours. They are now Monday to Friday, 9am to 5pm (closed Saturdays and Sundays).


We are also dealing with a higher number of calls than usual. We ask that our customers only call if they have an urgent query that can’t wait so that we can prioritise the most critical cases first. You can continue to use Online Banking without interruption, or contact us using our digital channels. Thanks for your patience and understanding. 


For more information click here.

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Options for Remortgaging

Borrowing into retirement 

A mortgage for those on pension income with various repayment options.

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. 

Your home may be repossessed if you do not keep up repayments on your mortgage

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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 Remortgaging 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?

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

Is it possible to make overpayments on my mortgage?

Yes. If you’re in a promotional period, you can overpay a minimum of £500 and a maximum of 10% of the outstanding mortgage balance (as at the prior 31 March) without incurring any early repayment or administration charges. Once the promotional period is over, the amount you can overpay is unlimited, but if you pay off your mortgage in full charges may apply.

How can I apply for a mortgage with Post Office?

You can apply for a Post Office Mortgage either online or over the phone. 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 Online 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 specialist over the phone.

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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 Saturday/Sunday

Small print

Subject to status and lending criteria. Written mortgages 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 (