Overview

What we do

Bradford & Bingley is a UK based financial services business, focused on providing specialist residential mortgages and a wide range of savings products.

We offer residential mortgages, all secured on property, and focus on a range of niche areas providing mortgages for individuals who need a more specialist product than those available in the mainstream market.

Bradford & Bingley also places great importance on its savings business and provides a competitive range of savings products through 197 branches and network of 140 third-party branch-type agents, by phone, post and online.

Our major mortgage product is buy-to-let, providing loans to individuals who wish to invest in UK property, enabling them to become landlords and providing a good supply of high quality accommodation for those wishing to rent, rather than buy, their home.

We also offer self-cert loans for individuals who have more complex income streams, including the self-employed, those with more than one job and those with significant bonus income.

Our other products include lifetime mortgages which enable homeowners over 60 with significant equity in their property to release some of that equity to provide income or a lump sum.

The vast majority of our specialist products are sold through mortgage intermediaries under the Mortgage Express brand. Additionally, a range of Bradford & Bingley branded mortgage products are available through our branches and through our telephony and online distribution channels.

In addition, we offer a wide choice of financial services from a range of providers, including general insurance, wealth, protection and personal loan products.

We don't offer current accounts, and offer personal loans and credit cards through third parties only.