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How much can I borrow?

Get an estimate of how much we could lend you based on your circumstances.

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What are you looking to do?


Please note the minimum household income for a residential mortgage is £20,000. If you’re applying under our contractor criteria, please only enter 80% of your gross contracting income in line with our lending criteria. Please refer to loan size and loan to value limits.

Mortgage calculations: The figures here will only give you an estimate of what you may be able to borrow. It isn't a mortgage offer and is not legally binding. When you go through the application process the amount you could borrow will be based on a more detailed breakdown of your income and outgoings. If you know which mortgage you like, you can work out your monthly repayments with our Repayment Calculator.

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Next steps?

How much will I pay?

See our repayment calculator which will tell you how much you'll need to pay monthly.

Compare our mortgages

Compare our fixed rate mortgages. Know exactly what your monthly payments will be for a set period of time.

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Contact us or apply

Arrange a call back

Select a time that suits you best and we will give you a call back

Ways to apply

Find out what you will need when applying online or by phone

Call us on

0800 707 6206
We are available 9.00am-17.00pm Mon-Fri
Closed on Saturday/Sundays
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Small print

Subject to status and lending criteria. Written mortgage illustrations available upon request. Borrowers must be aged 18 or over.


Post Office Money® Mortgages are provided by Bank of Ireland ( plc. Post Office Limited is an appointed representative of Bank of Ireland ( plc which is ised by the Prudential Regulation ity and regulated by the Financial Conduct ity and the Prudential Regulation ity. Post Office Limited is registered in England and Wales. Registered Number: 2154540. Registered Office: Finsbury Dials, 20 Finsbury Street, London, EC2Y 9AQ. Post Office Money® and the Post Office Money® logo are registered trademarks of Post Office Limited. Our FCA Register Number is 409080. You can confirm our registration on the FCA's website ( 

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