Post Office Money Residential Mortgage Rates
| Product | Rate | Initial Period | Fee | Overpay |
|---|---|---|---|---|
| 2-yr fixed 60% LTV | 5.12% | 2 years | £999 | |
| 2-yr fixed 75% LTV | 5.27% | 2 years | £999 | |
| 2-yr fixed 85% LTV | 5.47% | 2 years | £999 | |
| 2-yr fixed 90% LTV | 5.67% | 2 years | £999 | |
| 5-yr fixed 60% LTV | 3.82%Best | 5 years | £999 | |
| 5-yr fixed 75% LTV | 4.00% | 5 years | £999 | |
| 5-yr fixed 85% LTV | 4.20% | 5 years | £999 | |
| 5-yr fixed 90% LTV | 4.40% | 5 years | £999 | |
| 5-yr fixed 95% LTV | 4.70% | 5 years | £999 | |
| 2-yr tracker 60% LTV | Base+0.87% | 2 years | £999 | |
| Standard Variable Rate | 8.04% | Ongoing | None | - |
Post Office Money Buy-to-Let Mortgage Rates
| Product | Rate | Initial Period | Fee | Overpay |
|---|---|---|---|---|
| BTL 2-yr fixed 60% LTV | 5.67% | 2 years | £1,499 | |
| BTL 5-yr fixed 60% LTV | 4.42%Best | 5 years | £1,499 | |
| BTL 5-yr fixed 75% LTV | 4.67% | 5 years | £1,499 |
Post Office Money Product Transfer Rates
| Product Transfer Option | Rate | Initial Period | Fee | Cashback |
|---|---|---|---|---|
| Post Office Money 2-yr fixed PT (same LTV band) | 5.17% | 2 years | £0 | Cashback available |
| Post Office Money 5-yr fixed PT (same LTV band) | 3.87% | 5 years | £0 | Cashback available |
| Post Office Money PT + borrow more (residential) | 3.94% | 5 years | £595 | Cashback available |
About Post Office Money Mortgages
Post Office Money offers mortgages through a partnership with Bank of Ireland UK, providing a familiar brand name backed by an established mortgage lender. Available through the Post Office network and brokers, their products cover residential purchase, remortgage, and buy-to-let.
Post Office Money suits borrowers who value the familiarity and accessibility of the Post Office brand combined with competitive mortgage rates. Their products are particularly well-suited to first-time buyers and straightforward remortgage cases where simplicity and reliability matter most.