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.
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Post Office Money® Mortgages are provided by Bank of Ireland UK
Read up on what to prepare and expect when remortgaging
Use our calculator to see how much you could borrow and what your monthly repayments could be
Get a personalised offer with an Agreement in Principle. It won’t affect your credit score
Got a question? Check out our FAQs
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:
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.
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.
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.
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.
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.
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.
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.
You can get an estimate of how much you may be able to borrow with our affordability calculator.
There are a few things to consider before you apply. We have some key lending criteria below:
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.
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 9am – 5pm Monday to Friday – Closed on Saturday and Sunday. 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.
If you need help deciding which mortgage is right for you, you can speak with one of our mortgage specialist over the phone.
Everything you need to know when remortgaging
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 (www.fca.org.uk).