Home living room floor

Home finance

The minimum finance amount on our Home Purchase Plans and Buy To Let Purchase Plans is currently £200,000. The minimum property value is currently £307,692. 

 

YOUR HOME MAY BE AT RISK IF YOU DO NOT KEEP UP THE PAYMENTS ON YOUR HOME PURCHASE PLAN

Preview image for the video "Owning your own home without compromising your faith".

Islamic home finance

With our Islamic home finance products, you pay rent not interest when you purchase or refinance a property.

Unlike conventional mortgages and refinances, Al Rayan Bank's Sharia compliant Home Purchase Plans (HPP) and Buy to Let Purchase Plans (BTLPP) do not involve interest charges and are based on joint ownership.

Your monthly payment increases your share in the property and includes a payment for the use of the share that the Bank owns. At the end of the finance term you will own the property outright.

 

  • Terrace Row of houses

    Moving home

    Moving home can be a daunting process. We're here to help you make it as easy as possible.

    Read more

  • Terrace Row of houses

    Fees Assisted HPPs

    Our 'Fees Assisted' range will help you with some of the costs associated with buying a home.

    Read more

  • Apartments on a canal

    Buy to let

    Our Buy To Let Purchase Plans let you invest in property in an ethical, Sharia compliant way.

    Read more

  • Row of London Houses

    Expats

    If you're a UK expat working in another country, our expat range of home finance products is for you.

    Read more

Home finance help and support

Whether you're a first time buyer, are moving up the property ladder or are looking to invest in property through buy to let, we are here to help and support you through the process.

  • Our guide to moving home

    Looking to move up the property ladder? Maybe you want to downsize. Find out how we can help you.

    Read more

  • Our guide for new landlords

    Find out whether investing in buy to let property is right for you with our guides and calculators.

    Read more

  • Our guide to expat finance

    Are you a UK citizen working overseas? If you're thinking of investing in property back home, we may be able to help you.

    Read more

Frequently asked questions

We answer some frequently asked questions about home finance.

Man putting card details into his phone

The new way to manage your accounts online

Register for Digital Banking and manage your account on the move through our Mobile Banking app, or from the comfort of your own home through the Desktop Portal.