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Ways to apply


  • You could get an Approval in Principle online or by phone, without a hard credit check.
  • We have teamed up with Bank of Ireland UK to bring you these mortgages.


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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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0800 707 6206

We are happy to talk you through the process step by step. Our consultants and FCA mortgage advisors are here from:

  • 9.00am - 17.00pm Monday - Friday
  • Closed Saturday/ Sunday

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.

What you’ll need when applying

  • Proof of your income

Your outgoings

  • Including any loan details
  • Overdrafts
  • Student loans

You must have a valid passport, or driving license and the right to reside and work in the UK.

Apply from the comfort of your own home, with free help on the phone from one of our specialist mortgage advisors. Post Office Money Mortgages are provided by Bank of Ireland UK.


You currently can’t apply if you’re using an iPad or iPhone with iOS 12.2 or higher. We’re sorry for any inconvenience this causes - please use another device.


Apply online with advice

  • Upload all your documents securely
  • Track your application progress
  • Get advice over the phone
Continue with advice

Apply online without advice

Only apply without advice if you are confident with your mortgage choice.

Continue without advice

What you'll need when applying

  • Proof of your income

Your outgoings

  • Including any loan details
  • Overdrafts
  • Student loans

You must have a valid passport, or driving license and the right to reside and work in the UK.

Already Started?

If you've already began your application, you can continue here.

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What's an Approval in Principle (AIP)?

An AIP indicates how much you could borrow based on the information you have provided, it performs various criteria and credit reference agency checks, and gives a conditional decision to lend based on its findings.

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

Lenders don’t just look at your income but also at your outgoings, because only by focusing on the two things together can they get a reasonable idea of what you can afford to repay on a mortgage each month. By assessing a borrower’s affordability lenders can build up a more realistic picture of your finances to get a better idea of how much they should lend. Not only does this make it more likely they will get back any money they lend out, it is also obligatory, as part of tough new regulations imposed on lenders to protect consumers from over borrowing. As for a deposit, the more you can put down upfront the better interest rates you are likely to be able to access. So try to put down as much as possible upfront.

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

Aside from your deposit you will need to make sure you have enough money put aside for associated costs such as Stamp Duty, mortgage fees, solicitor’s fees, insurance and removal fees.

How can I apply for a mortgage with Post Office?

You can apply over the phone on 0800 707 6206 or online. We are available 8.30am-7.30pm Mon-Fri and 9.00am-1.30pm Sat. Closed on Sundays.

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    Why us?


    •We offer mortgages that work for you, whatever your story.

    •Our team of expert mortgage specialists are ready to help you each step of the way.

    Here are some of the awards we have won over the last few years. The awards relate to the product range, application process and servicing which are provided in conjunction with Bank of Ireland UK.

Moneyfacts Awards 2018- Best Fixed Rate Mortgage Provider

Moneyfacts Awards 2018- Personal Finance Provider of the Year

Your Mortgage Awards 2018-2019 – Best Online Mortgage Lender