Post Office Money is a financial services sub-brand that’s owned and operated by Post Office Ltd. Providing many of the services that would be expected of a major bank or building society, Post Office Money offers a variety of credit cards, current accounts, insurance products, mortgages and personal loans.

  • Compare Post Office Finance
  • Best Remortgage Rates
  • Fast and Simple Enquires
  • Property Development Finance
  • Whole Of Market Broker
  • Fully FCA Regulated Loans
  • Compare the Post Office Mortgages
  • Secure Loan Applications
  • Best Rates Guaranteed!


  • Compare Post Office Finance
  • Best Remortgage Rates
  • Fast and Simple Enquires
  • Property Development Finance
  • Whole Of Market Broker
  • Fully FCA Regulated Loans
  • Compare the Post Office Mortgages
  • Secure Loan Applications
  • Best Rates Guaranteed!

Bridging Loans from the Post Office

These are loans that are typically required to fund property deals. They are primarily used for covering short-term financial gaps, hence the use of the word ‘bridging’.  They are usually needed for terms lasting between 2 and 3 months. In a scenario where a borrower needs to make a deposit on a new mortgage facility prior to selling an existing property, Post Office bridging loans can be the suitable funding option.

What are the associated Interest Rates?

Owing to the unique nature of bridge funding the interest is normally much higher than loans acquired from traditional lending facilities such as Santander, Barclays and the Yorkshire Bank. You may, in some instances, ask for the interest payments to be 'rolled up'. When this happens, the interest is not paid on a on a monthly basis but, instead, an accrued sum that is expected to be paid at the end of the required bridge loan term.

This can be highly useful for borrowers who do not have access to the necessary funding at the beginning stages of applying for and receiving the funds.

Who Can Apply for Post Office Bridging Finance

Individual borrowers and limited companies may request bridge finance online.  In most cases, the online application process for bridging finance is quick and straightforward to complete. A Post Office bridge loan may be used for virtually any purpose you have in mind, assuming the applicant is aged 18 or over and the intended purpose is approved by the lender.

Bridging loans typically involve some type of asset as security such as property or land. Bridge loans are always provided as secured loan types. This means that the lender will often require first or second charge over the security provided by the applicant. If the borrowing party is a company, the financer may require additional guarantees. The idea is that providing security for the loan ensures the bridging loan will be repaid. Without owning any of the required assets, a bridge loan applicant will be unable to continue with their request for funding.

The prominent concern for bridge fund lenders is how and when the money lent will be repaid. All online bridge loan providers want to ensure that any funds lent will be repaid on time as agreed.

The security itself is also used in order to calculate the LTV of the bridging loan provided, which works similarly to a secured loan such as a mortgage offered by a large High Street bank such as the Royal Bank of Scotland or the Halifax.

The Loan to Value illustrates the size of the loan offered in direct accordance with the equity available in the security that the borrower is able to offer.

Our Post Office Bridge Loan Calculator

The calculator we offer is user friendly and will demonstrate the interest fees charged and any additional costs. There are many bridge loan providers operating in the UK market which each offer varying interest rates along with different costs involved with rates of interest along with any other costs involved with a given product.

These charges can differ dramatically, which makes it rather difficult to offer a loan quoting system that will provide the actual costs involved with each individual application. You should also be aware that bridge finance calculators are only designed to provide an approximate guide. However, ours is based upon the most popular bridging plans at the current time of writing.


In addition to the interest rate, you'll also be expected to pay a number of different fees when applying for a bridging loan online, including all or some of the following costs:

  • Legal fees: These cover the legal costs and solicitor fees of the company you apply to borrow from and these are typically charged at a fixed rate.
  • Valuation charges: These are the surveyor fees that cover the cost of carrying out a specific property valuation.
  • Introducer costs: These are fees that cover the cost of the broker’s work involved in finding you a suitable deal.
  • Repayment costs: The fees that cover the cost of any paperwork involved when the loan is finally settled.
  •  Exit fee: Approximately 1% of the amount borrowed, if you choose to repay early; however, not each individual provider will expect an exit fee.
  • Arrangement costs: The fees of setting up a given loan, which is usually 1-2% of the overall loan value.

Development Finance at the Post Office

For the most part, the Post Office specialises in consumer banking services and traditional loan products. Over the years, the Post Office has introduced an impressive portfolio of services, ranging from standard savings accounts to credit cards to mortgages and more. Nevertheless, the Post Office doesn’t currently offer any specific development finance solutions.

Development finance is typically provided to fund commercial and residential property development projects. From the construction of a new home to extension works to renovations to repurposing, development finance is tailored to suit the borrower’s requirements. Hence, we always advise working with a development finance specialist if looking to gain access to the best possible deals.

Dynamic Development Finance

If you’re looking to secure funding for a property development project of any size, we can help. Donkey Finance is proud to work closely with dozens of dynamic lenders across the UK. From major names like the Post Office to smaller independent specialists, we’ll scour the market in its entirety to find you the best deal. As a fully independent broker, you can count on Donkey Finance to provide the honest and objective support you need.

We ensure that every development finance deal is meticulously tailored to meet the requirements of each individual client. We’ll consider your current financial situation and objectives, in order to link you with your ideal lender. Whether you’re planning ahead or in need of financial support with an on-going project, we’re standing by to offer our full support.

Compare the Market in Seconds

With thousands of loans available from hundreds of competing lenders, you need to look long and hard to find the best possible deal. Alternatively, contact the team at Donkey Finance and we’ll take care of everything on your behalf.

Based on your requirements, we’ll compare deals from our exclusive network of partners, ensuring all borrowing costs are kept to absolute minimums. And with no obligation to go ahead, there’s nothing to lose by finding out what we could do for you.

Check out our full range of products and services online, or contact the team at Donkey Finance for more information.

Mortgages from the Post Office

Commercial Mortgages with the Post Office

A commercial mortgage, or business mortgage, is a specialist borrowing product for owner-occupiers. They are intended for companies and individuals who are re-mortgaging or buying a property that will be used for a company. Business mortgages may also be granted to those in possession of mixed use properties.

Available Types of this Financing Product:


Post Office Business or Commercial Mortgages that an owner-occupier may apply for are usually available for two primary business purposes: when a company wants to purchase a property that it operates from, or intends to buy a new building for relocation purposes.

Residential buy-to-let

Another usage of a commercial mortgage is where a company wants to buy a residential property with a view to renting the building out – either en masse or to a number of separate tenants.  This particular type of financing is useful for landlords or commercial buy-to-let firms.

Commercial buy-to-let

Similar to the above, a commercial mortgage can be used for business buy-to-lets.  A typical example is where a company is looking to purchase a warehouse or storage facility with the intention of renting it out to another business in order to generate additional income.

Online Mortgage Calculators

Mortgages are always a substantial financial commitment. With regards to this, you need to be aware of exactly how much your mortgage will cost. The simplest method of discovering how much a mortgage will set you back is by using a mortgage calculator. These can be used for practically every conceivable mortgage type available, ranging from first-time buyer mortgages – through to buy to let or landlord mortgages.

Will the mortgage you apply for cover the cost of buying your perfect property? If so, are you worried about the size of your monthly repayments?

Even if you're an experienced investor or a first-time buyer, online mortgage calculators can assist you with working out the figures involved with borrowing.  A mortgage calculator is exceptionally simple to use and will provide an instant insight into the cost of repayments based on the amount required and the length of time you wish to borrow over.

This invaluable tool, often referred to as an APR or re-mortgaging calculator, is useful for several mortgage types – ranging from Buy-to-Let to First-Time-Buyer product. Always remember that these tools simply offer a quick indication of the amount you'll need, because different mortgage providers have different ways of examining how much you can borrow and what they will charge.

What is Help to Buy?

The Help to Buy scheme has three main categories:

  • Help to Buy equity loans
  • Help to Buy ISAs
  • London Help to Buy

To qualify for the scheme, you're required to:

  • Be buying a house you're planning on living in most of the time
  • Have a deposit of at least 5%
  • Be looking to buy a house worth £600,000 or less

Buy to Let Mortgages from Post Office

Post Office offers a number of different buy to let mortgage products that you can choose from, so you can be sure that you have the right one for your needs. They offer a 25% deposit with an LTV of 75%, a 30% deposit with an LTV of 70%, and a 40% deposit with an LTV of 60%. All of these will have their own time frames, benefits, rates, and charges that you will be expected to pay, so choosing the right buy to let mortgage for your needs is important.

The Lending Criteria

The age range for customers applying for a buy to let mortgage is 21-80. Post Office will closely review your application to ensure that you are able to make your payments each month and they will also make sure that you do not have too much debt compared to your income. You have to live in a home that you own and your ability to pay your payments is based on the rental income that you will receive. The income has to be at least 145% of your monthly interest that you will be paying. With a term limit of 5-35 years, this mortgage is great for short or long-term needs.

Help-to-Buy Loans from the Post Office

A Help to Buy loan is designed to help first-time buyers get on the property ladder or buy a new home without a huge down payment.

The Help to Buy scheme is built up from three main parts:

  • Help to Buy equity loans
  • Help to Buy ISAs
  • London Help to Buy

Do I qualify?

To be eligible for Help to Buy, you need to:

  • Be looking at buying a property worth £600k or less (different limits apply for Help to Buy ISAs)
  • Have a deposit of at least 5%
  • Be purchasing a property you intend to live in the majority of the time; for example, not a property you plan to use as a second home or let out

Help to Buy equity loans are among the most popular paths on to the property ladder and are available to those who want to purchase a new-build home. These loans work like this:

  • You put a deposit down of at least 5%
  • The government lends you up to 20% of how much the property is valued at - as an equity loan
  • You get a mortgage on the remainder of how much the property is worth, so, if you put down a deposit of 5% and your loan was 20%, you'd then require a 75% mortgage

Business Funding from Post Office

Business owners know that in addition to having business banking accounts, they need to be able to obtain small business funding when they are in need of additional money, no matter if that is to pay bills while waiting on accounts receivable or to expand services and locations. While Post Office offers business banking accounts and services, they do not offer business funding, which means that their customers need to turn to another professional for help. At Donkey Finance, we offer business finance solutions so that you can make sure that you have the financing that you need, when you need it, without delay.

Who We Will Work With

At Donkey Finance, we believe in offering new business finance to as many of our customers as we can, which is why we have over a 90% approval rate for loans. This means that as long as you meet certain criteria, we are happy to supply you with the alternative business funding that you require. Some of our criteria include £100k or more in annual turnover, some sort of security property, and 12 months or more of trading history. We work hard to provide new business funding to as many businesses as possible to help you meet your needs.

Get the Solution You Need

No matter what type of funding for business expenses you need, from business start up funding to buying new equipment, we are here for you. We work hard to make sure that you have the best solution for your needs so that you don’t take on too much debt or have a payment that is too high for you. No matter what type of funding you are looking for, we will consider your individual circumstances and needs to determine the best fit for you and make sure that your needs are met.

By offering finance for business needs, we work with you to grow your business, expand your product line, and improve your income. Turn to us at Donkey Finance whenever you need help financing a purchase, getting on your feet, or growing. We offer small business finance options up to £200,000, which means that we are able to help you meet your needs and make your dreams come true. Thanks to our fast and easy application process, you can get your approval in under 24 hours, which means that you don’t have to worry about missing out on any great opportunities.

Commercial Loans from the Post Office

Post Office business or commercial loans are short term, and are often renewable once matured. Business loans are used to fund capital expenditures.

A credit union or high street bank is typically the most appropriate source for this type of funding.

Any assets belonging to a business can be used to as security for such a loan. To qualify for a business or commercial loan, the company in question should be seen as a viable credit risk. When deciding on how feasible a business is in terms of being a good or bad credit risk, a commercial loan officer will look at a number of financial details, including recent tax statements and a business plan.

Online Loan Calculator

An online loan calculator is useful for comparing loans that are to be paid back between 1 and 25 years.

The APR that a lender will charge depends on your current circumstances, and will usually be between 3.5% and up to 100%. The cost of a given finance package will vary according to the amount you want to borrow and the length of time that you are borrowing for.

You can also input your monthly budget and the calculator will indicate the amount you can borrow whilst also informing you the period of time you can take out the loan over. Online loan calculators may be used for all manner of financing products, ranging from secured homeowner and commercial loans, through to unsecured personal loans.

Secured Loans at the Post Office

The Post Office has grown to become one of the most popular and trusted financial service providers on the UK High Street. Offering an extensive range of everyday banking services and loan products, the Post Office prides itself in delivering the highest possible standards in customer support.

For the time being, secured loans at the Post Office are limited exclusively to conventional mortgage products. There are currently no specific secured loans at the Post Office that fall outside the confines of traditional home loans. A variety of lending products are available for property purchases, but all other types of secured loans are excluded from the bank’s portfolio.

This means that the Post Office is unable to offer bridging loans, development finance and general-purpose secured loans. Nevertheless, the Post Office remains a popular and recommended choice for traditional mortgage products.

All-Purpose Secured Loans

Here at Donkey Finance, we take flexibility more seriously than most. The way we see it, secured loans should be not only available, but convenient and accessible for anyone able to provide the required collateral. If the value of your property is sufficient to cover the loan, everything else is irrelevant. So while the Post Office may not be able to provide the secured loan you need, you can count on Donkey Finance to make it happen!

Operating as an independent broker, we provide a whole-of-market comparison service for the benefit of our customers. Working exclusively with specialist lenders across the country, we’ll compare hundreds of secured loans to find you the perfect deal. Low interest rates, minimal borrowing costs and committed customer support – the total package you deserve. Call the Donkey Finance team today for more information.

New-Generation Lending

Our innovative approach to lending has earned us a flawless track record among UK businesses and private borrowers alike. Having built close connections with some of the country’s most dynamic secured loans specialists, we’re able to access incredible deals you will not find on the High Street. We focus exclusively on what matters, eliminating credit checks and proof of income from the equation.

Best of all, complete your application with Donkey Finance today and the funds you need could be in your account within a matter of days. When time is a factor, don’t waste it on High Street lenders and their complex application processes. Come to Donkey Finance and we’ll do whatever it takes to provide you with an unbeatable deal!

Homeowner Loans from the Post Office

The majority of us might need to apply for a loan at some point in our lives, whether this is to purchase something expensive such as a vehicle, or for some type of home improvement or debt consolidation.

If you have a mortgage already, or own a property outright, gaining access to borrowed funds is often significantly cheaper and more straightforward.

Being a homeowner means that you're able to apply for a loan secured against equity in a property. You’ll often be expected to make consistent repayments on a monthly basis, and the term of the loan can extend from five to thirty years.

Main points:

  • A secured homeowner loan tends to be paid back to the lender over a period of 5 to 30 years, with the lowest loan amount starting at around £25k.
  • The value of the loan, required borrowing terms and rate of interest will typically depend on the amount of equity offered, your personal borrowing circumstances and your credit rating.
  • The amount of interest will often be a lot lower than with an unsecured borrowing product.
  • Homeowner loans are secured against a property.

Auction Finance at the Post Office

For the benefit of its customers, the Post Office is continually expanding its portfolio of banking services. Some of the more popular services available from the Post Office include savings accounts, credit cards, personal loans and a wide variety of mortgages.

For the time being however, no specific auction finance products are available from the Post Office. Property loans are available, but without the defining characteristics of viable auction finance. Hence, if you’re looking to buy a property at auction and in need of the fastest possible access to the funds you need, you may find the Post Office unable to help.

Accessible Auction Finance

Here at Donkey Finance, we specialise in a wide variety of dynamic loans and financial products for all purposes. If you’re looking to buy your first home, relocate or invest in a buy-to-let property, the Post Office has plenty of viable products in its portfolio. With these traditional mortgage products however, extensive waiting times and complex application processes are inevitable.

The very best auction finance deals are those that eliminate all such complexities from the equation. By working closely with an extensive network of service providers across the UK, we’re able to pinpoint the perfect products to suit all requirements. Along with major lenders like the Post Office, we also have strong ties with dozens of independent specialists.

From the fastest possible pay-outs to the lowest interest rates and minimal borrowing costs, Donkey Finance is here to find you the best possible deal. Browse our services online, or contact a member of our customer support team for more information.

A Done-Deal in Days

If you plan to buy a property at auction, you need to ensure you’re able to make the required payment within the established timeframe. Our auction finance deals and bridging loans are ideal when time is a factor. In many instances, the funds you need could be in your account in a matter of days.

So before penning an application with the Post Office, contact the team at Donkey Finance to find out what we can offer you. Whether you’re ready to go ahead or simply considering auction finance, we’re standing by to take your call.

Career Development Loans from the Post Office

A Professional and Career Development Loan can give you the leg up you need to change your career as the Government pays the interest while you’re studying the course. These are bank loans to pay for training and courses that help get you into work or help with your career. For the duration of your course the Skills Funding Agency pays the loan interest. Then, it is your responsibility to pay back the loan with interest.

What Courses Can I Apply For? To be given a career development loan, your course must help with your career – however it does not need to lead to a qualification.

Examples of eligible learning consist of:

  • A specialist course with a learning provider that's privately-owned
  • A management course, for example, a professional consultant's course
  • Postgraduate courses
  • An SVQ or NVQ at a college
  • Technician level training, including electrical installation or plumbing
  • Courses leading to a professional qualification, for example, the Certificate in Programme Management

You could always check with your course provider to find out if a course may qualify for a career development loan.

About Post Office

Financial Services

  • Bridging Loans
  • Commercial Loans
  • Mortgages
  • Homeowner Loans
  • Career Development Loans

How To Apply

While many of the financial products and services provided by Post Office Money can be applied for online, others require in-person meetings or telephone consultations. In any case, we can help you pinpoint and apply for the perfect product for your needs. Give a member of our customer support team a call today, or send us an email with an outline of your loan requirements.

Apply Now

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