Using Choices

Choices is an overpayment facility that lets you save money on your mortgage by reducing your balance and the interest you pay. Any overpayments you make will build up a Choices ‘credit balance’ that can open up a number of flexible features in the future.

What are the flexible features?

Choices can help you ride out any future difficulties on meeting your mortgage commitments by allowing you to:

  1. Take a payment holiday
  2. Make underpayments on your mortgage
  3. Use the borrow back facility

These could give you the short-term flexibility you need if you rely on contract work, overtime payments or seasonal employment, or provide a cushion if you experience an unexpected fall in your income.

Am I eligible for choices?

To benefit, you can't be in arrears and you should be able to afford to make regular overpayments in addition to your monthly mortgage payment.

Choices is currently not available if you have a Mortgage Express mortgage that was originally taken out with GMAC, Kensington or Close Brothers and was subsequently transferred to Mortgage Express. Choices is also not available on Bradford & Bingley mortgages taken out prior to 2005. Please look at your mortgage offer or contact us if you are unsure.

Like to know more?

You can find full details of the benefits of Choices and the rules around accessing the flexible features in the downloadable brochure and application form below.

Choices - take control of your mortgage (PDF, 207KB)

If you want to start making overpayments with Choices, and start benefiting from its flexible features, just complete the application form and send it to us at the address below.

Bradford & Bingley / Mortgage Express,
PO Box 629,

As soon as we receive your application form we will contact you to confirm any decision in writing. If you have any questions, please contact us.