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Post Office

Most people associate the Post Office with stamps and parcel deliveries, but the Post Office is actually a subsidiary of Royal Mail and also provides a wide range of banking services.

Compare mortgages

Reason for mortgage
£
£
years
How would you like to repay?
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Rate type Initial rate Fees Overall cost
APRC

Overall costs for comparison. This is a way of comparing most costs including interest and fees.

Monthly cost
Rate type
Fixed 30/11/2018
Initial rate
1.38%then 4.24% (variable)
Fees
£2,338fees
Overall cost
3.8%APRC
Monthly cost
£630.92 for 24 months then £846.83 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 75.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £251,206 includes: Loan amount (£160,000); Interest (£88,868); Application fee (£1,495); Valuation fee (£360); Legal fee (£258); Funds transfer fee (£30); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 30/11/2018
Initial rate
1.38%then 4.24% (variable)
Fees
£2,338fees
Overall cost
3.8%APRC
Monthly cost
£630.92 for 24 months then £846.83 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 75.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £251,206 includes: Loan amount (£160,000); Interest (£88,868); Application fee (£1,495); Valuation fee (£360); Legal fee (£258); Funds transfer fee (£30); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 30/11/2018
Initial rate
1.43%then 4.24% (variable)
Fees
£2,338fees
Overall cost
3.8%APRC
Monthly cost
£634.65 for 24 months then £847.21 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 60.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £251,400 includes: Loan amount (£160,000); Interest (£89,062); Application fee (£1,495); Valuation fee (£360); Legal fee (£258); Funds transfer fee (£30); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 30/11/2018
Initial rate
1.43%then 4.24% (variable)
Fees
£2,338fees
Overall cost
3.8%APRC
Monthly cost
£634.65 for 24 months then £847.21 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 60.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £251,400 includes: Loan amount (£160,000); Interest (£89,062); Application fee (£1,495); Valuation fee (£360); Legal fee (£258); Funds transfer fee (£30); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 30/11/2018
Initial rate
1.43%then 4.24% (variable)
Fees
£2,338fees
Overall cost
3.8%APRC
Monthly cost
£634.65 for 24 months then £847.21 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 60.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £251,400 includes: Loan amount (£160,000); Interest (£89,062); Application fee (£1,495); Valuation fee (£360); Legal fee (£258); Funds transfer fee (£30); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 30/11/2018
Initial rate
1.45%then 4.24% (variable)
Fees
£1,338fees
Overall cost
3.8%APRC
Monthly cost
£636.15 for 24 months then £847.36 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 75.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £250,477 includes: Loan amount (£160,000); Interest (£89,139); Application fee (£495); Valuation fee (£360); Legal fee (£258); Funds transfer fee (£30); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 30/11/2018
Initial rate
1.45%then 4.24% (variable)
Fees
£1,338fees
Overall cost
3.8%APRC
Monthly cost
£636.15 for 24 months then £847.36 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 75.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £250,477 includes: Loan amount (£160,000); Interest (£89,139); Application fee (£495); Valuation fee (£360); Legal fee (£258); Funds transfer fee (£30); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 30/11/2018
Initial rate
1.56%then 4.24% (variable)
Fees
£1,838fees
Overall cost
3.8%APRC
Monthly cost
£644.42 for 24 months then £848.18 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 80.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £251,402 includes: Loan amount (£160,000); Interest (£89,564); Application fee (£995); Valuation fee (£360); Legal fee (£258); Funds transfer fee (£30); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 30/11/2018
Initial rate
1.56%then 4.24% (variable)
Fees
£1,838fees
Overall cost
3.8%APRC
Monthly cost
£644.42 for 24 months then £848.18 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 80.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £251,402 includes: Loan amount (£160,000); Interest (£89,564); Application fee (£995); Valuation fee (£360); Legal fee (£258); Funds transfer fee (£30); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
Rate type
Fixed 30/11/2018
Initial rate
1.63%then 4.24% (variable)
Fees
£2,338fees
Overall cost
3.8%APRC
Monthly cost
£649.72 for 24 months then £848.70 (variable)
for 276 months
Am I eligible?
Please make sure you at least meet the following criteria:
  • Resident of: England, Scotland, Wales, Northern Ireland
  • Aged 18 or older
  • 70 or younger at mortgage end
  • No bankruptcies
  • No repossessions
  • Up to 85.0% loan-to-value (LTV) available.
  • Eligible for first-time buyers, home movers.

Additional criteria for acceptance from the lender may apply.

Assumed application completion date of 30/11/2016. Repayment mortgage of £160,000 payable over 300 monthly repayments. Total amount payable £252,172 includes: Loan amount (£160,000); Interest (£89,834); Application fee (£1,495); Valuation fee (£360); Legal fee (£258); Funds transfer fee (£30); Mortgage discharge fee (£195); Deeds release fee (£0); Fees are assumed to be paid up front and not included in the amount borrowed.
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YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

About Post Office

The UK government owns the Post Office. Post Office Ltd manages main branches of the Post Office, which are also known as Crown Offices. Sub-postmasters or franchise partners usually run smaller branches. Both types of branches offer financial services, but main post offices tend to offer the full range of services.

The Post Office offers mortgages through Bank of Ireland UK. Customers can apply for a Post Office mortgage in-branch, online, or by calling the Post Office telephone service. Once an application has been made, customers will be assigned a dedicated mortgage account manager who will be there to offer help and advice throughout the application process.

There are Post Office mortgages for a wide variety of different customers. These include first time buyers, home movers, Help to Buy borrowers, landlords, and anyone looking to switch from their existing lender to a new deal.

First time buyers can choose from a selection of fixed rate and tracker mortgages. Buy to let Post Office mortgages are suitable for landlords and property investors. Certain properties are excluded from buy to let mortgages and landlords with more than five properties in their portfolio are also excluded.

Existing customers have access to better Post Office mortgages. They can switch to a new deal at the end of their existing discount period. Existing customers can also apply to borrow additional funds if required.

uSwitch is authorised and regulated by the Financial Conduct Authority (FSA FRN 312850) to provide this mortgage comparison service

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