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The Post Office is the UK’s largest financial services chain. They offer various mortgage products provided by Bank of Ireland UK to their customers. These include both mortgages for homeowners and those for buy to let landlords.

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Post Office mortgages come in several different forms to match the most common types of borrowers.

Fixed rate mortgages

A fixed rate mortgage offers a fixed rate of interest for an introductory period when you first take out the mortgage. The Post Office offers fixed rate periods of 2-5 years, after which the interest rate will be set at the Bank of England Base Rate plus a set percentage.

Post Office fixed rate mortgages are offered to cover up to 90% of the value of a new property purchase.

Tracker mortgages

Post Office tracker mortgages offer interest rates that are tied to the Bank of England Base Rate for the full lifetime of the loan. This means the interest is charged at the Bank of England Base Rate plus a set extra percentage.

For some Post Office tracker mortgages the extra percentage added onto the BoE Base Rate is lower for the first 2 years. You can borrow up to 90% of a property’s value with this type of mortgage.

Help to Buy mortgages

If you are planning on buying your first home, you may be eligible for a Help to Buy mortgage. This can allow you to borrow up to 95% of a property’s value, meaning you only have to have a 5% deposit to move forward with the purchase.

Buy to Let mortgages

If you already own your own home and want to purchase an additional property to rent out, you may be able to qualify for a Post Office Buy to Let mortgage. This allows you to borrow up to 75% of a property’s value, although the exact amount you can borrow may also depend on the likely rental income of the property.

Loan to value ratio

When taking out a mortgage, your borrowing will usually be capped at a certain percentage of the market value of the property you want to buy. This figure is referred to as a loan to value (LTV) ratio as it shows how much as you can borrow as a loan relative to the value of your property.

So, if you are interested in buying a house worth £100,000 and your bank offers you a mortgage with an LTV of 70%, you would be able to borrow up to £70,000. You would need to fund the remaining £30,000 yourself as an upfront deposit.

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With our free mortgage calculator you can quickly see a range of mortgage deals from across the market to help you make a decision as to which is best for you. Simply head to the top of the page and enter some basic details about your borrowing requirements. We will then show you appropriate mortgage products from various leading lenders for you to choose from.

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