Ready to apply?

Great, you've found the Post Office Money® Mortgage you want. You can apply online or over the phone – with advice if you need it.

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


Ways to apply...


Speak to one of our expert advisers

Call us

We're happy to talk you through the process. Our advisers are here from:

  • 8.30am - 7.30pm, Monday to Friday
  • 9am - 1.30pm, Saturday


0800 707 6206

All calls to 0800 numbers are free of charge whether made from a landline or mobile phone. Calls may be monitored or recorded for training and compliance purposes.

We'll call you

  • Prefer us to call you back?
  • Use our form to tell us when suits.
  • We'll be right with you.


request a callback

Did you know?
If you start your application over the phone, we'll give you an online account to complete your application. You'll be able to securely upload your important documents and track your application all the way through.


Apply from the comfort of your own home

Apply online with advice

  • Start your mortgage application online
  • And get expert help over the phone
  • You can then complete your application online​

continue online with advice

Apply online without advice

  • Do you know the product you want?
  • ​And know how much you can borrow and your Loan to Value (LTV) ratio?
  • Confident you don't need any mortgage advice?

continue without advice

Useful information

ways to apply iconYour Approval in Principle (AIP) lasts for 30 days.

ways to apply iconNo need to post your documents to us, you can upload them all securely online.

ways to apply iconIf you're applying online you can save and track your application whenever you like so you can see how it's progressing.

What you'll need during your application

Your income details. Including your salary, regular bonuses and overtime.

Your outgoings. Including any loan details, like credit card debt, overdrafts, and student loans.

Proof of identity. For instance a passport or a driving license, and right to reside and work if you're a non EU national.

Top mortgage FAQs

What's the difference between an Approval in Principle (AIP) and a Mortgage Offer?

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 Money 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.

A Mortgage Offer will set out the terms under which we're prepared to offer you a mortgage. It will be issued once we receive your full application and necessary checks, such as a valuation and confirmation of your details, have been carried out.

Will my credit rating be affected if I complete an AIP?

If you start your application with advice over the phone or online then you’ll be able to get an Approval in Principle (AIP) with a soft credit check which won’t affect your credit rating. If you wish to apply online without advice, a hard credit check will be carried out. Soft credit checks don’t affect your credit rating or ability to borrow from lenders in the future. Soft credit checks are not seen by other lenders and can only be seen by you on your credit report.

Can I apply if I'm self-employed?

Yes, you can. We need two years' trading accounts, and you need to have been trading for a minimum of three years.

Am I eligible for a Post Office Money 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 have a minimum household income of £20,000
  • You must be buying or remortgaging a UK property
  • You must be a UK resident or have full rights to reside in the UK


You can see the full list of lending criteria for our residential mortgages here.

What is the difference between applying for a mortgage "with advice" and "without advice"?

Applying with advice
You can apply for a Post Office Money Mortgage with advice either online or by phone. Applying with advice means one of our mortgage consultants will help you through the application process. They'll provide advice on which mortgage deal will best meet your needs. 

Applying without advice
If you don't want advice or help with your application, you need to be sure you're ready to take responsibility for choosing a mortgage deal that's right for your situation. If you're comfortable applying without advice, you can apply online. If you choose to apply online without advice but decide at any point you'd like advice, you can always stop where you are and finish your application by phone with one of our advisers.

Can I move home during my mortgage deal?

Yes. Our mortgages are fully portable. This means you can transfer the interest rate and early repayment charge conditions on your existing Post Office Money Mortgage balance to your new property.  This is subject to a new offer being made based upon the lender’s current criteria.  If you don’t need to borrow extra amounts your mortgage product can remain the same.

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 31 March the previous year) 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.

Small print

Please note our online mortgage application is only compatible with Internet Explorer 9+, Google Chrome 34+, Firefox 28+, Safari 5 and 7 web browsers and is not optimised for mobile phones.

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

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, FRN 512956. You can check this on the Financial Services Register by visiting the website or by contacting the Financial Conduct Authority (FCA) on 0800 111 6768. Bank of Ireland UK is a trading name of Bank of Ireland (UK) plc which is registered in England & Wales (No. 07022885). Registered Office: Bow Bells House, 1 Bread Street, London, EC4M 9BE. Post Office Limited is registered in England and Wales (No. 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.