Post Office Mortgage

The Post Office is one of the most recognised and respected institutions in the UK. They specialise in travel insurance, travel money, car insurance, savings accounts, financial services, and mortgage loans.

Mortgage loans from the Post Office are renowned for their cost-effectiveness and transparent lending criteria. Competitive interest rates and low overall borrowing costs are the norm, though they may be affected by the financial status and credit history of the borrower. Speaking of which, there are currently no specialist mortgage facilities available from the Post Office for poor-credit applicants or low-income borrowers.

Cutting the costs of home loans

It’s perfectly within the power of every applicant to minimise the overall costs of their mortgage. To secure the greatest potential deal, evaluate all available loan kinds as well as offerings from both big banks and independent lenders. This is particularly true where specialist mortgages are concerned (commercial mortgages, poor credit mortgages, etc.), which can be difficult to access on the high street.

At UK Property Finance, we work hard to link every borrower with their perfect mortgage deal. Working with major names like the Post Office and an extensive panel of specialist lenders, we’re able to provide access to exclusive deals and discounts to suit all budgets. Even if you’ve been turned down for a mortgage elsewhere, there’s a good chance we can still help. Speak to one of our consultants today for more information.

Interest rates vs borrowing costs

It’s natural to view interest rates as the primary factor when choosing a mortgage, but there may be other costs to take into account. Depending on the lender you work with, you may be liable for arrangement fees, admin fees, completion fees, early repayment fees, and other ‘stealth’ charges. All of which could perhaps be reduced, or even eliminated, by taking your business elsewhere.

Specialist mortgage products

The Post Office is one of the most reputable providers of buy-to-let mortgages and right-to-buy mortgages in the UK. Like most major lenders, however, the Post Office remains almost entirely unwilling to consider applications from customers with an imperfect credit report. Likewise, if you have no established credit history whatsoever, you are unlikely to qualify with the Post Office.

This is where our flexible approach to specialist lending can prove invaluable. At UK Property Finance, we work with an extensive network of independent lenders across the UK. Proudly supporting the needs of poor credit applicants from all backgrounds, we provide access to flexible and affordable buy-to-let mortgages and right-to-buy mortgages of unbeatable quality and value. Even if you have previously been turned down elsewhere, there is a good chance we can help.

Calculating the costs

Prior to going ahead with your application, we strongly advise using our buy-to-let mortgage or right-to-buy mortgage calculator to assess the costs and explore the available options. This will provide you with a good indication of your obligations and your available budget, which will prove helpful during the application process.

Alternatively, simply contact a member of the team at UK Property Finance anytime if you have any questions, or use our very own mortgage calculator to compare rates against The Post Office. We will guide you through the options available and help determine your ideal buy-to-let mortgage or right-to-buy mortgage from one of our specialist lending partners. All are tailored to suit your exact requirements and budget from start to finish, always making sure you get the best possible mortgage rates available on the market.

If there’s a better deal to be found from a competing lender, we’ll find it. If you’re already locked into a bad deal and you’re on the lookout for something more competitive, we can help. Call UK Property Finance today to book your obligation-free consultation; we’re standing by with the support you need.

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