Post Office Mortgages
Competitive mortgage products from one of the UK's most trusted brands. Fixed rate deals, fee-free options, and cashback offers for purchases and remortgages.
Mortgages from a name you trust
The Post Office has been part of British life for centuries, and their mortgage products carry the same commitment to value and straightforward service. Post Office mortgages consistently rank among the most competitive on the market, particularly for borrowers looking for simple, well-priced fixed rate deals.
Through Doulton Bridging Finance, we help you access Post Office mortgage products with expert broker support. We compare their rates against the full market to confirm they genuinely offer the best deal for your needs, and then manage your application through to completion with professional care.
Benefits of Post Office mortgages
Trusted Household Name
The Post Office is one of the UK's most recognised and trusted brands, bringing that reputation for reliability and straightforward service to its mortgage products.
Competitive Fixed Rates
Post Office mortgages regularly feature among the most competitive fixed rate deals on the market, offering excellent value across two, three, and five-year terms.
Fee-Free Options
Many Post Office mortgage products come with no arrangement fee, reducing the upfront cost of your mortgage and making it easier to budget for your move.
Free Valuation and Legal Fees
Selected remortgage products include a free valuation and contribution towards legal fees, making the switch to Post Office as straightforward and cost-effective as possible.
Cashback Deals
Post Office regularly offers cashback on completion, providing useful funds to help with moving costs, home improvements, or simply easing the financial transition.
Straightforward Products
Post Office keeps its mortgage range clear and easy to understand, with transparent pricing and no complicated product structures or hidden charges.
How it works
Requirements Review
We assess your property purchase or remortgage needs and determine whether Post Office's current products offer the best value for your circumstances.
Market Comparison
We compare Post Office rates against the wider market to ensure you are getting a genuinely competitive deal, not just a well-known brand name.
Managed Application
We handle the full application process on your behalf, preparing documentation and liaising with Post Office to keep your case progressing smoothly.
Completion
We work with Post Office and your solicitor to bring your mortgage to completion, ensuring everything is in order for a smooth exchange and completion.
Get a Post Office mortgage quote
Find out if Post Office has the right mortgage deal for you. Our brokers will compare their rates and manage your application.
Frequently asked questions
Can I get a Post Office mortgage through Doulton?
Yes. We hold broker agencies with Post Office where available and can access their intermediary product range. Where Post Office is not the right fit, we will benchmark their offer against every other lender on our panel and recommend the most cost-effective overall deal.
Why apply to Post Office via a broker rather than direct?
Most UK mortgage lenders reserve a portion of their range - often including their sharpest rates - for intermediary-introduced business. Going through a broker also means you are not locked to one lender's criteria: if Post Office cannot take your case, we can place it elsewhere without a declined application showing on your credit file.
What LTV and loan size does Post Office offer?
Post Office's maximum LTV and loan size vary by product and property type. We check current criteria at the point of enquiry - residential, buy-to-let, high-value and specialist ranges each have their own limits. Tell us your requirement and we will come back with exactly what Post Office can support today.
What if my application is complex - non-standard income, expat status, adverse credit?
Mainstream high-street lenders are rarely the right home for complex applications. We work with specialist, private and challenger banks alongside the names you will recognise, which means we can often place cases that would be rejected by a direct approach.
How long does a mortgage application take?
Typical timelines are 2-4 weeks from application to offer for straightforward cases, and 4-8 weeks for cases needing valuation, specialist underwriting or complex income review. Exchange and completion after that is driven by your conveyancer's pace.
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