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Compare Mortgage Rates From The Post Office. Deals from leading UK lenders including mortgages for over 65s. Use our enquiry form below if you require advice on your options. Some lenders allow you to borrow up to age 90 on an interest only basis.

This makes our LTV . Invalid LTV.

Call NatWest 0800 068 8567
NatWest logo
Fixed Mar-2021 From NatWest
Initial rate 1.54% Mar-2021
Maximum LTV 60%
Overall cost of comparison 4% APRC
See deal
No Valuation & Legal Fees
FREE legal & valuation fees!
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2021 From Virgin Money
Initial rate 1.67% Mar-2021
Maximum LTV 65%
Overall cost of comparison 4.4% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2022 From Virgin Money
Initial rate 1.78% Mar-2022
Maximum LTV 65%
Overall cost of comparison 4.1% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Mar-2021 From NatWest
Initial rate 1.82% Mar-2021
Maximum LTV 80%
Overall cost of comparison 4% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jan-2021 From Post Office
Initial rate 1.84% Jan-2021
Maximum LTV 75%
Overall cost of comparison 4.1% APRC
See deal
Call NatWest 0800 068 8567
NatWest logo
Fixed Mar-2024 From NatWest
Initial rate 1.94% Mar-2024
Maximum LTV 60%
Overall cost of comparison 3.5% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jan-2021 From Post Office
Initial rate 1.95% Jan-2021
Maximum LTV 85%
Overall cost of comparison 4.3% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2021 From Virgin Money
Initial rate 1.98% Mar-2021
Maximum LTV 65%
Overall cost of comparison 4.4% APRC
See deal
Call Virgin Money 0330 057 1528
Virgin Money logo
Fixed Mar-2024 From Virgin Money
Initial rate 2.01% Mar-2024
Maximum LTV 65%
Overall cost of comparison 3.8% APRC
See deal
Call Post Office 0808 178 6813
Post Office logo
Fixed Jan-2021 From Post Office
Initial rate 2.01% Jan-2021
Maximum LTV 60%
Overall cost of comparison 4.3% APRC
See deal

Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

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Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

This comparison simply includes all mortgage services

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Mortgages Direct provides an independent mortgage quotes and advice service. When you submit this form you will be contacted by a regulated mortgage adviser to discuss your options.

How much can I borrow

There has been a shift in the approach mortgage lenders take when considering a mortgage application.  

Nowadays, lenders focus mainly on the affordability of the mortgage. As a result, lenders will require the following information:

  • Details of your employment
  • Your income
  • Your monthly outgoings

Find our mortgage table above that shows best mortgage deals available.

How to calculate mortgage repayments

Your ability to service monthly mortgage repayments will depend on how big the monthly payments are.

Use our mortgage calculator to find out how much your mortgage could cost you each month.

Input the following information and see the list of mortgage deals our calculator provides:

  • The purpose of your mortgage
  • The value of the property
  • The amount you wish to borrow
  • The type of mortgage you want
  • Your preference on capital and interest or interest only mortgage
  • The length of mortgage

What is a fixed rate mortgage

Fixed rate mortgages are mortgages that offer you the chance to secure a set interest rate for an introductory period. Typically, you can access fixed rate mortgages through high street banks for 2,3,5 or 10 years.

Fixed rate mortgages enable you to know exactly how much money you will have to pay each month for the entirety of your fixed term.  Before you commit to a fixed rate mortgage, remember that interest rates fluctuate over time. Therefore, if you get the best interest rate for a fixed term today, it may not be the best rate in the middle of your fixed term.

Post Office RemortgagePost Office are offering some great fixed rates on their mortgages.

What is a tracker rate mortgage

Tracker mortgages’ interest rates vary depending on the mortgage provider; however, every tracker mortgage is heavily dependent on the Bank of England’s base interest rate. If the Bank of England raise the base interest rate, then tracker mortgages’ interest rates will increase.

Repayment or interest only

Repayment mortgages are mortgages that cover both the capital and interest of the mortgage. Typically, repayment mortgages have higher monthly mortgage repayments than other mortgages, but you will own the property outright at the end of the mortgage.

Interest only mortgages require you only to pay the interest on a mortgage, which means the monthly payments are much lower than other mortgages. It is important to note that you will not own the property outright at the end of an interest only mortgage.

Making overpayments 

There are lenders on the mortgage lending market that are prepared to accept overpayments. This may be beneficial if you want to pay off your mortgage quickly. However, some lenders do not allow overpayments and charge early repayment penalties if overpayments are made. It is advisable to contact your mortgage provider if you are thinking of making an overpayment.

If you want to explore your mortgage options, it is a good idea to speak to an independent mortgage broker who will be able to offer impartial advice.

Latest news

Cost of fixed rate mortgages have started to increase as Bank of England rate rise looms

A number of high street banks have started to increase their mortgage rates. The reason for this is that banks are having to pay more to access the funds they lend out to UK homeowners.

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