What do you need a mortgage for?
At Post Office, we understand that everyone’s situation is different. That’s why we’ve teamed up with Bank of Ireland UK to offer a range of mortgages. Select the one that’s right for you
Post Office Mortgages are provided by Bank of Ireland UK
Why choose a Post Office mortgage? Here’s why:
Post Office puts you first. With Bank of Ireland UK, we’ve helped over 2 million UK customers through our branches, by phone and online.
What we offer:
- An alternative to other UK banks, with offers to fit your situation
- Help that's easy to access on the web or by phone
- All your financial needs in one place – including mortgages, loans and savings
Mortgages guides
Making your home more secure
Keeping your home safe doesn’t have to be a lot of extra work. With a few quick changes you’ll be safe in the knowledge that your family and your things are that little bit more secure.
Is your new home in a nice area?
When it comes to home buying, location is an important consideration. You may be able to do a house up, but you can't change its location. That's why it's worth knowing about an area when you're thinking about moving.
10 questions to ask estate agents
Viewing a property can be a bit overwhelming. You're alone in someone else's house, with a total stranger who's trying to sell you something very expensive. It's usually worth taking a step back and giving yourself a moment to breathe.
Money Matters
It’s likely to be your biggest financial commitment, so you’ll need to make sure you have the ability to afford the monthly repayments for many years to come.
We've summarised what's involved and points to consider when applying for a mortgage to buy property.
Post Office Mortgages are provided by Bank of Ireland UK
How much can I borrow?
One of the first things that any first-time buyer wants to know is how much they can borrow. Until you know the answer to this it can be difficult to search for properties because you aren’t sure what is within your budget.
Mortgage basics for first-time buyers
When you take out your first mortgage, one of the biggest decisions you need to make is how you would prefer interest to be charged – either on a fixed- or variable-rate basis.
Valuations and surveys
Whether you're buying a property for the first time of the latest of many, how much should you spend on valuations and surveys to check it's up to scratch and worth the asking price?
Hunting for your ideal home
It pays to be as thorough as possible when you’re househunting. The first step in identifying your dream home is to decide what type of property you want – or need.
A guide for first-time buyers
It’s one of the most important things you’ll do in your life and, despite the fact it’s largely paperwork, one of the most exciting too. But it’s no secret getting on the property ladder can be a challenging experience at times.
The difference between freehold and leasehold properties
Leasehold and freehold: two very different types of property. We've put together a quick guide to the differences and what to be aware of in each case.
15 things to check when on a viewing
When viewing a house or flat, it's always worth keeping your eyes open to get a feel for the property’s condition.
Moving home checklist
You've found your dream home, exchanged contracts and sorted your mortgage. All that's left to do is move in. That’s the easy part, isn’t it?
Buy-to-let investments guide
It’s important to try and make your money work for you. Investing your savings can reap rewards, but it can also come with risks. Here’s what you need to know about investing in a buy-to-let property.
How to protect your property from Japanese knotweed
Japanese knotweed is a notoriously stubborn and invasive plant that can cause damage to property and headaches for owners. It needs treating with care.
How to add value to your property
If your home is looking a little rough around the edges, a good clear-out and a lick of paint could be enough to get it back up to scratch. On the other hand, it may well be time for some wholesale changes, especially if you’re considering selling up and moving out. Not only could you add to the appearance of your property, you could add to its value.
Top 10 house selling tips
First impressions last when it comes to selling your home. It’s not just things like off-street parking and south-facing gardens that can make all the difference to prospective buyers. Even something as trivial as cluttered rooms or pet smells can be enough to put them off.
A guide to downsizing your property
If you’re thinking of moving house, you might be considering a smaller property to help cut your mortgage repayments and household bills, release some of the equity you’ve built up in your current home, or even just enjoy a change of scenery or lifestyle.
Gazumping: how to avoid it
Buying a house ought to be a really exciting experience and, in most cases, the process runs smoothly right through to completion day. There are only a handful of things that could stop you getting there once you’ve had an offer accepted – and one of these is gazumping.
How to get a mortgage if you’re over 50, self-employed or a first-time buyer
Making a mortgage application is a big and exciting moment, whether it’s your first home or you’ve been here several times before. If you’re over 50 or self-employed, the thought of getting a mortgage can be daunting, as older borrowers or those not in full-time employment can find getting a mortgage a little more difficult.
What is an EPC and do you need one?
How energy-efficient a home is could mean hundreds of pounds’ difference when it comes to your energy bills, so it makes total sense that it’s something you’d want to gauge when looking into properties. An Energy Performance Certificate (EPC) is designed to help you do just that, giving you an idea of how energy efficient a given property is before you decide to buy it. In this guide, we’ll explain everything you need to know about the EPC.
Renting vs buying: which is best?
‘To rent or to buy?’ It’s the age-old question for anyone looking to get a place of their own. If you’re looking to move out of your current home but aren’t sure whether it’s time to take the plunge with home ownership yet, we’ll look at the pros and cons of both renting and buying, to help you make the right decision for you.
How to make an offer on a house
Buying a home is a big and exciting step, but it’s easy to let the pressure get to you a little. Thankfully, knowing what to do and what to expect should help put you at ease as you move through the process. So here’s how to make an offer on your perfect property in four easy steps.
Stamp duty: the basics
If you’re buying a home, it’s useful to understand what stamp duty is. After placing your deposit and accepting a mortgage offer, it may well be the next largest cost you encounter. However, there’s every chance you won’t need to pay any stamp duty at all.
How to remortgage your property: a step-by-step guide
If you’re considering remortgaging your home, you may want to understand the options and implications available to you. In this guide, we’ll tell you everything you need to know about remortgaging – helping you determine whether it’s the right option for you, and what next steps you need to take.
What is dry rot and how can it impact the value of your home?
Are you worried about dry rot affecting your home? You’re not alone. Dry rot is one of the most common causes of concern for homeowners in the UK. To deal with the problem effectively it’s important to take the right course of action and seek out professional help. This guide covers the causes, signs and what to do if you spot them.
Mortgage myths busted
Taking your first steps towards a mortgage and getting a foot on the property ladder can be a really exciting time. But it’s also important you’re armed with information – and the right information at that – before you start your journey to homeownership.
Should I buy a home with a friend or family member?
If you’re looking to realise your home ownership dreams sooner rather than later, but haven’t quite got the funds together to buy and run a house alone yet, then purchasing a house with a friend or family member can be an excellent idea.
The house buying process: how long does it take?
Transferring ownership of land and property is a complex process, one that requires the cooperation of many different parties – and this means it can take time.
A guide to conveyancing
Conveyancing is an essential part of any property purchase or sale, involving lots of formalities that protect you from any nasty surprises as a buyer or seller, as well as making your home move legally binding.
About our mortgages
Post Office 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: 100 Wood Street, London, EC2V 7ER. Post Office and the Post Office logo are registered trademarks of Post Office Limited. Our FCA Register Number is 409080. You can confirm our registration on the FCA website.
Please note: our online mortgage application is only compatible with Microsoft Edge, Google Chrome 34+, Firefox 28+, and Safari 7+ web browsers. It’s not optimised for mobile phones. Subject to status and lending criteria. Written mortgage illustrations available upon request. Borrowers must be aged 18 or over.