The simple and flexible way to drive away your next BMW.


BMW Owner’s Choice is a unique program that offers you the ultimate in flexibility, security and peace-of-mind when financing your BMW. This is because of its key feature, which we call the Guaranteed Future Value (GFV).

More BMW for your money.

As you are deferring a proportion of the car’s value until the end of the agreement, your monthly payments could be less than you think. This may give you the flexibility to add more options to your car, or even upgrade to a higher specification model, all within your budget. Or you can simply pay less per month for the car you want.

How does it work?

Simply select the BMW that’s right for you and we’ll arrange a finance plan that best suits your needs.

You can select the contract term and your annual average kilometer allowance from the options available, to ensure you only pay for what you need.

Whether you have a monthly payment or particular deposit in mind, we can tailor a repayment plan to suit your budget and lifestyle.

Freedom to choose.

With BMW Owner’s Choice we keep your options open. At the end of your finance contract the choice is yours.

  • Trade-in & upgrade your BMW

    With Guaranteed Future Value, trading-in your vehicle to a new BMW is simple. Return the vehicle to your BMW Dealer and if the trade-in valuation is higher than the Guaranteed Future Value the balance is yours to use as equity towards your new BMW.

  • Refinance your BMW

    If you want to keep the car beyond the end of the contract, simply refinance the outstanding amount and enjoy your vehicle for longer.

  • Keep your BMW

    If you choose to keep your vehicle at the end of your finance contract, you can simply pay the outstanding amount and continue to enjoy your BMW.

  • Return your BMW

    To complete your Owner’s Choice experience, you may return your vehicle to your BMW Dealer. Provided that the terms and conditions of your BMW Owner’s Choice agreement have been met, you have no further liability. There are no concerns about resale value or disposing of the vehicle: peace-of-mind all around.

Like to know more?

To find out more about the advantages of BMW Owner’s Choice, please speak to the Business Manager at your preferred BMW Dealer. They can tailor a finance agreement to best suit your needs and demonstrate how affordable and risk-free owning a new BMW can be.



BMW Owner’s choice. The most flexible way of owning your BMW.

>BMW Owner’s Choice Brochure

>Current Offers


Terms and Conditions

BMW Owner’s Choice is only available where you finance the purchase of a new BMW with BMW Financial Services. BMW Financial Services lending criteria and terms and conditions apply.

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