Home Purchase Plans - Ethical Buy to Let Mortgage Alternatives for UK expats.

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The new way to manage your accounts online: You now require the Mobile Banking app to manage your accounts online. Don’t worry if you have not yet done this; you can register at any time and all of your banking arrangements will be the same as they were with the old Online Banking system. Register by clicking ‘Register now’ below.

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Banking securely with Al Rayan Bank

As part of Al Rayan Bank’s ongoing commitment to make banking quicker, easier and more secure, we have recently launched a major new mobile banking update. The updated service offers a number of significant new security features to ensure you are provided with a safe and secure experience.

Quicker, easier and more secure

Your new mobile banking mobile application is designed to work on the latest devices to ensure the most up-to-date security features can be used
The latest encryption features are used between your device and our core banking systems to ensure your information is secure at all times
A software token, which is assigned to your mobile device, increases security. Customers without a compatible smartphone can register through a handheld hard token.
Fngerprint and facial recognition technology help to ensure the most accurate identification and verification
An in-app secure messaging feature within your new mobile banking app allows you to communicate securely with the Bank
The application will automatically time out after a period of inactivity
Your new mobile banking application reduces reliance on older identification methods such as passwords and SMS texts for an improved, yet secure experience

Mobile device security

Your new mobile banking application has been developed to proactively defend itself against the most advanced mobile threats
Your banking app will not install or load on a jailbroken or rooted device, please use an unrooted device or a device running the original manufacturer’s operating system
Some untrusted applications use frameworks to modify the banking application’s behavior; if your mobile device is detected to be running such a framework, it will not start
If an untrusted keyboard is detected on your mobile device, your new mobile banking application will prevent it from running until the untrusted keyboard is uninstalled
To protect your banking data from fraudulent screen captures, your new mobile banking app will detect untrusted screen readers and prevent it from displaying your data while the screen reader is running
Operating system debuggers can enable malicious parties to interfere with the banking software. The application will detect risky configurations and protect your banking data by either not loading or shutting down
The mobile application has security functionality built into it to prevent malicious code from being injected into the banking app
Malicious parties can attempt to repackage banking apps to add compromised code; your new mobile banking app will prevent such attempts.
Although screen capturing of applications may be useful, they also can allow malicious apps to capture screenshots of your bank details while the app is in use. To protect your details, our security mechanism will not allow phone screen capture while the banking app is running

Staying safe online

Our mobile banking application has been developed with the highest security features embedded but we all have a role to play to ensure systems are safe. Following the below recommendations will help to ensure that you have the most safe and secure experience when using our systems.

Keep your device and related applications up to date. Security weaknesses are commonly fixed through updates; additional security features are also often deployed this way
Make sure you’re running a good anti-virus protection and keep it up to date. Online fraudsters can attempt to steal information through malicious code or programs, ensuring that you have an effective anti-virus is running is a simple way to combat this
Keep your devices and login information secure. Your devices and login information are your way of accessing your bank account information online. If other people have access to these, they can try to gain access in the same way as if you gave someone the keys to your house.
Log off after you have finished using any banking application. This will ensure the session you have been using is not left open to be used or compromised in any way
Make sure security controls on your devices are not turned off by default. This includes anti-virus, firewalls and other such features. These work in conjunction with our own protective measures to enhance the overall security set

If you think you’ve fallen victim to a scam, if someone has taken money from your account or if you’ve accidently given your details to a fraudster, please report it immediately to Action Fraud by calling 0300 123 2040 or online. Please also inform us as soon as possible:

You can email us at webfraud@alrayanbank.co.uk
Give us a call or visit a branch; please visit the contact us page for our up to date contact details

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Buy to let UK expats

The following range of ethical, Sharia compliant Buy To Let Purchase Plans (BTLPPs) is available to UK expats.

Apply now Request a call back

YOUR PROPERTY MAY BE AT RISK IF YOU DO NOT KEEP UP THE PAYMENTS ON YOUR BUY TO LET PURCHASE PLAN

Product name	Finance to value	Product fee	Rental rate	End date	Revert rental rate	Features	More info & apply
Discounted Variable	75%	1% of finance or min £995	3.64%	30 June 2022	5.74%	Rent only available No early settlement fees
General information Request a call back Call us rTapNumber104692 Apply online Revert rental rate: Discounted from Al Rayan Bank Variable Rental Rate which for BTL = 5.74% (Bank of England Base Rate + 4.99% margin) Finance amount: £30,000 to £1,500,000 (higher amounts may be considered) Eligibility: New and existing landlords Maximum portfolio: Ten properties across all providers. Five properties or £2,500,000 across all Al Rayan Bank finance products Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to two applicants Valuation and legal fees: Valuation and legal fees is paid by the applicant(s). Al Rayan Bank has created a panel of solicitors who are experienced in the Islamic finance conveyancing process. If you choose to proceed with one of our panel solicitors, Al Rayan Bank will make a £400 (including VAT) contribution towards the Al Rayan Bank's legal costs. However, you are not obliged to use one of our panel solicitors. For more information, please refer to the BTLPP Tariff List. Minimum age of applicant(s): 21 years Rent reviews: There will be four rent reviews a year in March, June, September and December. New rental rate effective from 1 April, 1 July, 1 October and 1 January. Additional acquisition payments can be made in the month of each rent review; minimum £4,000 with a £25 administration fee. Margin: The Bank reserves the right to change the margin on its products however a cap applies of 2%. Therefore Al Rayan Bank cannot increase the margin on its HPP products by more than 2% over the margin that applied at the outset. Al Rayan Bank cannot change its margin whilst a fixed rent rate applies. You will be given at least 30 days advance notice of any changes in the pricing structure. Settlement: The customer has the option to sell the property at any time without any penalties, subject to applicable administration fee. For more information, please refer to the BTLPP Tariff List. Affordability: If the rent expected from the property does not meet the rental cover calculation, we may take into account any free personal income the applicant may have to make up the shortfall Please note: Buy to Let Purchase Plans are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority. Legal title: For HPPs in England & Wales, Al Rayan Bank holds the legal title until all aquisition payments have been made. How to apply There are a number of ways to apply or to request more information. Call us on 0800 408 0436 (Mon - Fri 9am - 7pm, Sat 9am - 1pm) Check your eligibility by using our Agreement in Principle online. Request a call back Visit one of our branches or offices, located throughout the UK. Other information For your own benefit and protection, you should carefully read some important information leaflets we have prepared, before you caomplete the application. Product information BTLPP Tariff List Proof of ID Home Purchase Plan customers in Scotland pay an 'occupancy payment' under a 'co-beneficiaries' agreement. To view PDFs you need the Adobe Acrobat Reader. This program is available free of charge from the Adobe website. Al Rayan Bank is not responsible for the content of external websites.
Fixed	75%	1% of finance or min £995	3.89%	30 June 2022	5.74%	Rent only available No early settlement fees
General information Request a call back Call us rTapNumber104692 Apply online Revert rental rate: Al Rayan Bank Variable Rental Rate which for BTL = 5.74% (Bank of England Base Rate + 4.99% margin) Finance amount: £30,000 to £1,500,000 (higher amounts may be considered) Eligibility: New and existing landlords Maximum portfolio: Ten properties across all providers. Five properties or £2,500,000 across all Al Rayan Bank finance products Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to two applicants Valuation and legal fees: Valuation and legal fees is paid by the applicant(s). Al Rayan Bank has created a panel of solicitors who are experienced in the Islamic finance conveyancing process. If you choose to proceed with one of our panel solicitors, Al Rayan Bank will make a £400 (including VAT) contribution towards the Al Rayan Bank's legal costs. However, you are not obliged to use one of our panel solicitors. For more information, please refer to the BTLPP Tariff List. Minimum age of applicant(s): 21 years Additional acquisition payments: No additional acquisition payments are permitted during the fixed rental period. Following the expiry of the fixed rental rate, additional acquisition payments can be made in the month of each rent review. Margin: The Bank reserves the right to change the margin on its products however a cap applies of 2%. Therefore Al Rayan Bank cannot increase the margin on its HPP products by more than 2% over the margin that applied at the outset. Al Rayan Bank cannot change its margin whilst a fixed rent rate applies. You will be given at least 30 days advance notice of any changes in the pricing structure. Settlement: The customer has the option to sell the property at any time without any penalties, subject to applicable administration fee. For more information, please refer to the BTLPP Tariff List. Affordability: If the rent expected from the property does not meet the rental cover calculation, we may take into account any free personal income the applicant may have to make up the shortfall Please note: Buy to Let Purchase Plans are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority. Legal title: For HPPs in England & Wales, Al Rayan Bank holds the legal title until all aquisition payments have been made. How to apply There are a number of ways to apply or to request more information. Call us on 0800 408 0436 (Mon - Fri 9am - 7pm, Sat 9am - 1pm) Check your eligibility by using our Agreement in Principle online. Request a call back Visit one of our branches or offices, located throughout the UK. Other information For your own benefit and protection, you should carefully read some important information leaflets we have prepared, before you caomplete the application. Product information BTLPP Tariff List Proof of ID Home Purchase Plan customers in Scotland pay an 'occupancy payment' under a 'co-beneficiaries' agreement. To view PDFs you need the Adobe Acrobat Reader. This program is available free of charge from the Adobe website. Al Rayan Bank is not responsible for the content of external websites.
Fixed	75%	1% of finance or min £995	4.44%	30 June 2025	5.74%	Rent only available No early settlement fees
General information Request a call back Call us rTapNumber104692 Apply online Revert rental rate: Al Rayan Bank Variable Rental Rate which for BTL = 5.74% (Bank of England Base Rate + 4.99% margin) Finance amount: £30,000 to £1,500,000 (higher amounts may be considered) Eligibility: New and existing landlords Maximum portfolio: Ten properties across all providers. Five properties or £2,500,000 across all Al Rayan Bank finance products Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to two applicants Valuation and legal fees: Valuation and legal fees is paid by the applicant(s). Al Rayan Bank has created a panel of solicitors who are experienced in the Islamic finance conveyancing process. If you choose to proceed with one of our panel solicitors, Al Rayan Bank will make a £400 (including VAT) contribution towards the Al Rayan Bank's legal costs. However, you are not obliged to use one of our panel solicitors. For more information, please refer to the BTLPP Tariff List. Minimum age of applicant(s): 21 years Additional acquisition payments: No additional acquisition payments are permitted during the fixed rental period. Following the expiry of the fixed rental rate, additional acquisition payments can be made in the month of each rent review. Margin: The Bank reserves the right to change the margin on its products however a cap applies of 2%. Therefore Al Rayan Bank cannot increase the margin on its HPP products by more than 2% over the margin that applied at the outset. Al Rayan Bank cannot change its margin whilst a fixed rent rate applies. You will be given at least 30 days advance notice of any changes in the pricing structure. Settlement: The customer has the option to sell the property at any time without any penalties, subject to applicable administration fee. For more information, please refer to the BTLPP Tariff List. Affordability: If the rent expected from the property does not meet the rental cover calculation, we may take into account any free personal income the applicant may have to make up the shortfall Please note: Buy to Let Purchase Plans are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority. Legal title: For HPPs in England & Wales, Al Rayan Bank holds the legal title until all aquisition payments have been made. How to apply There are a number of ways to apply or to request more information. Call us on 0800 408 0436 (Mon - Fri 9am - 7pm, Sat 9am - 1pm) Check your eligibility by using our Agreement in Principle online. Request a call back Visit one of our branches or offices, located throughout the UK. Other information For your own benefit and protection, you should carefully read some important information leaflets we have prepared, before you caomplete the application. Product information BTLPP Tariff List Proof of ID Home Purchase Plan customers in Scotland pay an 'occupancy payment' under a 'co-beneficiaries' agreement. To view PDFs you need the Adobe Acrobat Reader. This program is available free of charge from the Adobe website. Al Rayan Bank is not responsible for the content of external websites.

Product name	Discounted Variable
Finance to value	75%
Product fee	1% of finance or min £995
Rental rate	3.64%
End date	30 June 2022
Revert rental rate	5.74%
Features	Rent only available No early settlement fees
More info & apply
Request a call back Call us rTapNumber104692 Apply online General information Revert rental rate: Discounted from Al Rayan Bank Variable Rental Rate which for BTL = 5.74% (Bank of England Base Rate + 4.99% margin) Finance amount: £30,000 to £1,500,000 (higher amounts may be considered) Eligibility: New and existing landlords Maximum portfolio: Ten properties across all providers. Five properties or £2,500,000 across all Al Rayan Bank finance products Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to two applicants Valuation and legal fees: Valuation and legal fees is paid by the applicant(s). Al Rayan Bank has created a panel of solicitors who are experienced in the Islamic finance conveyancing process. If you choose to proceed with one of our panel solicitors, Al Rayan Bank will make a £400 (including VAT) contribution towards the Al Rayan Bank's legal costs. However, you are not obliged to use one of our panel solicitors. For more information, please refer to the BTLPP Tariff List. Minimum age of applicant(s): 21 years Rent reviews: There will be four rent reviews a year in March, June, September and December. New rental rate effective from 1 April, 1 July, 1 October and 1 January. Additional acquisition payments can be made in the month of each rent review; minimum £4,000 with a £25 administration fee. Margin: The Bank reserves the right to change the margin on its products however a cap applies of 2%. Therefore Al Rayan Bank cannot increase the margin on its HPP products by more than 2% over the margin that applied at the outset. Al Rayan Bank cannot change its margin whilst a fixed rent rate applies. You will be given at least 30 days advance notice of any changes in the pricing structure. Settlement: The customer has the option to sell the property at any time without any penalties, subject to applicable administration fee. For more information, please refer to the BTLPP Tariff List. Affordability: If the rent expected from the property does not meet the rental cover calculation, we may take into account any free personal income the applicant may have to make up the shortfall Please note: Buy to Let Purchase Plans are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority. Legal title: For HPPs in England & Wales, Al Rayan Bank holds the legal title until all aquisition payments have been made. How to apply There are a number of ways to apply or to request more information. Call us on 0800 408 0436 (Mon - Fri 9am - 7pm, Sat 9am - 1pm) Check your eligibility by using our Agreement in Principle online. Request a call back Visit one of our branches or offices, located throughout the UK. Other information For your own benefit and protection, you should carefully read some important information leaflets we have prepared, before you caomplete the application. Product information BTLPP Tariff List Proof of ID Home Purchase Plan customers in Scotland pay an 'occupancy payment' under a 'co-beneficiaries' agreement. To view PDFs you need the Adobe Acrobat Reader. This program is available free of charge from the Adobe website. Al Rayan Bank is not responsible for the content of external websites.

Product name	Fixed
Finance to value	75%
Product fee	1% of finance or min £995
Rental rate	3.89%
End date	30 June 2022
Revert rental rate	5.74%
Features	Rent only available No early settlement fees
More info & apply
Request a call back Call us rTapNumber104692 Apply online General information Revert rental rate: Al Rayan Bank Variable Rental Rate which for BTL = 5.74% (Bank of England Base Rate + 4.99% margin) Finance amount: £30,000 to £1,500,000 (higher amounts may be considered) Eligibility: New and existing landlords Maximum portfolio: Ten properties across all providers. Five properties or £2,500,000 across all Al Rayan Bank finance products Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to two applicants Valuation and legal fees: Valuation and legal fees is paid by the applicant(s). Al Rayan Bank has created a panel of solicitors who are experienced in the Islamic finance conveyancing process. If you choose to proceed with one of our panel solicitors, Al Rayan Bank will make a £400 (including VAT) contribution towards the Al Rayan Bank's legal costs. However, you are not obliged to use one of our panel solicitors. For more information, please refer to the BTLPP Tariff List. Minimum age of applicant(s): 21 years Additional acquisition payments: No additional acquisition payments are permitted during the fixed rental period. Following the expiry of the fixed rental rate, additional acquisition payments can be made in the month of each rent review. Margin: The Bank reserves the right to change the margin on its products however a cap applies of 2%. Therefore Al Rayan Bank cannot increase the margin on its HPP products by more than 2% over the margin that applied at the outset. Al Rayan Bank cannot change its margin whilst a fixed rent rate applies. You will be given at least 30 days advance notice of any changes in the pricing structure. Settlement: The customer has the option to sell the property at any time without any penalties, subject to applicable administration fee. For more information, please refer to the BTLPP Tariff List. Affordability: If the rent expected from the property does not meet the rental cover calculation, we may take into account any free personal income the applicant may have to make up the shortfall Please note: Buy to Let Purchase Plans are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority. Legal title: For HPPs in England & Wales, Al Rayan Bank holds the legal title until all aquisition payments have been made. How to apply There are a number of ways to apply or to request more information. Call us on 0800 408 0436 (Mon - Fri 9am - 7pm, Sat 9am - 1pm) Check your eligibility by using our Agreement in Principle online. Request a call back Visit one of our branches or offices, located throughout the UK. Other information For your own benefit and protection, you should carefully read some important information leaflets we have prepared, before you caomplete the application. Product information BTLPP Tariff List Proof of ID Home Purchase Plan customers in Scotland pay an 'occupancy payment' under a 'co-beneficiaries' agreement. To view PDFs you need the Adobe Acrobat Reader. This program is available free of charge from the Adobe website. Al Rayan Bank is not responsible for the content of external websites.

Product name	Fixed
Finance to value	75%
Product fee	1% of finance or min £995
Rental rate	4.44%
End date	30 June 2025
Revert rental rate	5.74%
Features	Rent only available No early settlement fees
More info & apply
Request a call back Call us rTapNumber104692 Apply online General information Revert rental rate: Al Rayan Bank Variable Rental Rate which for BTL = 5.74% (Bank of England Base Rate + 4.99% margin) Finance amount: £30,000 to £1,500,000 (higher amounts may be considered) Eligibility: New and existing landlords Maximum portfolio: Ten properties across all providers. Five properties or £2,500,000 across all Al Rayan Bank finance products Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to two applicants Valuation and legal fees: Valuation and legal fees is paid by the applicant(s). Al Rayan Bank has created a panel of solicitors who are experienced in the Islamic finance conveyancing process. If you choose to proceed with one of our panel solicitors, Al Rayan Bank will make a £400 (including VAT) contribution towards the Al Rayan Bank's legal costs. However, you are not obliged to use one of our panel solicitors. For more information, please refer to the BTLPP Tariff List. Minimum age of applicant(s): 21 years Additional acquisition payments: No additional acquisition payments are permitted during the fixed rental period. Following the expiry of the fixed rental rate, additional acquisition payments can be made in the month of each rent review. Margin: The Bank reserves the right to change the margin on its products however a cap applies of 2%. Therefore Al Rayan Bank cannot increase the margin on its HPP products by more than 2% over the margin that applied at the outset. Al Rayan Bank cannot change its margin whilst a fixed rent rate applies. You will be given at least 30 days advance notice of any changes in the pricing structure. Settlement: The customer has the option to sell the property at any time without any penalties, subject to applicable administration fee. For more information, please refer to the BTLPP Tariff List. Affordability: If the rent expected from the property does not meet the rental cover calculation, we may take into account any free personal income the applicant may have to make up the shortfall Please note: Buy to Let Purchase Plans are not regulated by the Financial Conduct Authority or the Prudential Regulation Authority. Legal title: For HPPs in England & Wales, Al Rayan Bank holds the legal title until all aquisition payments have been made. How to apply There are a number of ways to apply or to request more information. Call us on 0800 408 0436 (Mon - Fri 9am - 7pm, Sat 9am - 1pm) Check your eligibility by using our Agreement in Principle online. Request a call back Visit one of our branches or offices, located throughout the UK. Other information For your own benefit and protection, you should carefully read some important information leaflets we have prepared, before you caomplete the application. Product information BTLPP Tariff List Proof of ID Home Purchase Plan customers in Scotland pay an 'occupancy payment' under a 'co-beneficiaries' agreement. To view PDFs you need the Adobe Acrobat Reader. This program is available free of charge from the Adobe website. Al Rayan Bank is not responsible for the content of external websites.