Home Purchase Plans - Ethical Mortgage Alternatives For UK Expats

HPP UK expats

The following range of ethical, Sharia compliant Home Purchase Plans (HPPs) is available to UK expats working overseas.

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

Product name	Finance to value	Admin fee	Rental rate	End date	Revert rental rate	Features
Fixed	60%	£499	3.24%	31 December 2022	4.09%	No early settlement fees
General information Request a call back Call us 0800 408 0435 Apply online Revert rental rate: Al Rayan Bank Variable Rental Rate which for Home Purchase Plan (HPP) = 4.09% (Bank of England Base Rate + 3.99% margin). Please note that if the Bank of England Base Rate (BBR) is ever lower than 0% it will be deemed to be 0% for the purposes of calculating the Al Rayan Bank Revert Rental Rate. Finance amount: £30,000 to £1,500,000 (higher amounts may be considered) Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to four applicants (all applicants must be owner occupier) 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 HPP 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 an applicable administration fee, please refer to the HPP Tariff List. 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 0435 (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 complete the application. Product information HPP 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	70%	£499	3.49%	31 December 2022	4.09%	No early settlement fees
General information Request a call back Call us 0800 408 0435 Apply online Revert rental rate: Al Rayan Bank Variable Rental Rate which for Home Purchase Plan (HPP) = 4.09% (Bank of England Base Rate + 3.99% margin). Please note that if the Bank of England Base Rate (BBR) is ever lower than 0% it will be deemed to be 0% for the purposes of calculating the Al Rayan Bank Revert Rental Rate. Finance amount: £30,000 to £1,500,000 (higher amounts may be considered) Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to four applicants (all applicants must be owner occupier) 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 HPP 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 an applicable administration fee, please refer to the HPP Tariff List. 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 0435 (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 complete the application. Product information HPP 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	80%	£499	3.59%	31 December 2022	4.09%	No early settlement fees
General information Request a call back Call us 0800 408 0435 Apply online Revert rental rate: Al Rayan Bank Variable Rental Rate which for Home Purchase Plan (HPP) = 4.09% (Bank of England Base Rate + 3.99% margin). Please note that if the Bank of England Base Rate (BBR) is ever lower than 0% it will be deemed to be 0% for the purposes of calculating the Al Rayan Bank Revert Rental Rate. Finance amount: £30,000 to £750,000 Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to four applicants (all applicants must be owner occupier) 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 HPP 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 an applicable administration fee, please refer to the HPP Tariff List. 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 0435 (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 complete the application. Product information HPP 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	60%	£499	3.59%	31 December 2025	4.09%	No early settlement fees
General information Request a call back Call us 0800 408 0435 Apply online Revert rental rate: Al Rayan Bank Variable Rental Rate which for Home Purchase Plan (HPP) = 4.09% (Bank of England Base Rate + 3.99% margin). Please note that if the Bank of England Base Rate (BBR) is ever lower than 0% it will be deemed to be 0% for the purposes of calculating the Al Rayan Bank Revert Rental Rate. Finance amount: £30,000 to £1,500,000 (higher amounts may be considered) Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to four applicants (all applicants must be owner occupier) 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 HPP 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 an applicable administration fee, please refer to the HPP Tariff List. 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 0435 (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 complete the application. Product information HPP 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	70%	£499	3.69%	31 December 2025	4.09%	No early settlement fees
General information Request a call back Call us 0800 408 0435 Apply online Revert rental rate: Al Rayan Bank Variable Rental Rate which for Home Purchase Plan (HPP) = 4.09% (Bank of England Base Rate + 3.99% margin). Please note that if the Bank of England Base Rate (BBR) is ever lower than 0% it will be deemed to be 0% for the purposes of calculating the Al Rayan Bank Revert Rental Rate. Finance amount: £30,000 to £1,500,000 (higher amounts may be considered) Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to four applicants (all applicants must be owner occupier) 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 HPP 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 an applicable administration fee, please refer to the HPP Tariff List. 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 0435 (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 complete the application. Product information HPP 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	80%	£499	3.74%	31 December 2025	4.09%	No early settlement fees
General information Request a call back Call us 0800 408 0435 Apply online Revert rental rate: Al Rayan Bank Variable Rental Rate which for Home Purchase Plan (HPP) = 4.09% (Bank of England Base Rate + 3.99% margin). Please note that if the Bank of England Base Rate (BBR) is ever lower than 0% it will be deemed to be 0% for the purposes of calculating the Al Rayan Bank Revert Rental Rate. Finance amount: £30,000 to £750,000 Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to four applicants (all applicants must be owner occupier) 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 HPP 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 an applicable administration fee, please refer to the HPP Tariff List. 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 0435 (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 complete the application. Product information HPP 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.
Fees Assisted Fixed	60%	£0	3.24%	31 December 2022	4.09%	£300 cash back* We'll pay your valuation fee*
General information Request a call back Call us 0800 408 0435 Apply online Revert rental rate: Al Rayan Bank Variable Rental Rate which for Home Purchase Plan (HPP) = 4.09% (Bank of England Base Rate + 3.99% margin). Please note that if the Bank of England Base Rate (BBR) is ever lower than 0% it will be deemed to be 0% for the purposes of calculating the Al Rayan Bank Revert Rental Rate. Finance amount: £30,000 to £1,500,000 (higher amounts may be considered) Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to four applicants (all applicants must be owner occupier) Cashback: If you choose to proceed with one of our panel solicitors, Al Rayan Bank will pay a 'cashback' of £300 to the customer following the customer's first monthly HPP payment Valuation fees: Al Rayan Bank will pay the valuation fee up to a maximum value of £600. This payment will only apply to the first completed valuation in relation to the HPP application 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 £500 (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 HPP 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 an applicable administration fee, please refer to the HPP Tariff List. Legal title: For HPPs in England & Wales, Al Rayan Bank holds the legal title until all aquisition payments have been made. Please note: Al Rayan Bank 'Fees Assisted' HPPs are available for refinance only How to apply There are a number of ways to apply or to request more information. Call us on 0800 408 0435 (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 complete the application. Product information HPP 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.
Fees Assisted Fixed	70%	£0	3.49%	31 December 2022	4.09%	£300 cash back* We'll pay your valuation fee*
General information Request a call back Call us 0800 408 0435 Apply online Revert rental rate: Al Rayan Bank Variable Rental Rate which for Home Purchase Plan (HPP) = 4.09% (Bank of England Base Rate + 3.99% margin). Please note that if the Bank of England Base Rate (BBR) is ever lower than 0% it will be deemed to be 0% for the purposes of calculating the Al Rayan Bank Revert Rental Rate. Finance amount: £30,000 to £1,500,000 (higher amounts may be considered) Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to four applicants (all applicants must be owner occupier) Cashback: If you choose to proceed with one of our panel solicitors, Al Rayan Bank will pay a 'cashback' of £300 to the customer following the customer's first monthly HPP payment Valuation fees: Al Rayan Bank will pay the valuation fee up to a maximum value of £600. This payment will only apply to the first completed valuation in relation to the HPP application 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 £500 (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 HPP 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 an applicable administration fee, please refer to the HPP Tariff List. Legal title: For HPPs in England & Wales, Al Rayan Bank holds the legal title until all aquisition payments have been made. Please note: Al Rayan Bank 'Fees Assisted' HPPs are available for refinance only How to apply There are a number of ways to apply or to request more information. Call us on 0800 408 0435 (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 complete the application. Product information HPP 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.
Fees Assisted Fixed	80%	£0	3.59%	31 December 2022	4.09%	£300 cash back* We'll pay your valuation fee*
General information Request a call back Call us 0800 408 0435 Apply online Revert rental rate: Al Rayan Bank Variable Rental Rate which for Home Purchase Plan (HPP) = 4.09% (Bank of England Base Rate + 3.99% margin). Please note that if the Bank of England Base Rate (BBR) is ever lower than 0% it will be deemed to be 0% for the purposes of calculating the Al Rayan Bank Revert Rental Rate. Finance amount: £30,000 to £750,000 (higher amounts may be considered) Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to four applicants (all applicants must be owner occupier) Cashback: If you choose to proceed with one of our panel solicitors, Al Rayan Bank will pay a 'cashback' of £300 to the customer following the customer's first monthly HPP payment Valuation fees: Al Rayan Bank will pay the valuation fee up to a maximum value of £600. This payment will only apply to the first completed valuation in relation to the HPP application 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 £500 (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 HPP 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 an applicable administration fee, please refer to the HPP Tariff List. Legal title: For HPPs in England & Wales, Al Rayan Bank holds the legal title until all aquisition payments have been made. Please note: Al Rayan Bank 'Fees Assisted' HPPs are available for refinance only How to apply There are a number of ways to apply or to request more information. Call us on 0800 408 0435 (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 complete the application. Product information HPP 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.
Fees Assisted Fixed	60%	£0	3.59%	31 December 2025	4.09%	£300 cash back* We'll pay your valuation fee*
General information Request a call back Call us 0800 408 0435 Apply online Revert rental rate: Al Rayan Bank Variable Rental Rate which for Home Purchase Plan (HPP) = 4.09% (Bank of England Base Rate + 3.99% margin). Please note that if the Bank of England Base Rate (BBR) is ever lower than 0% it will be deemed to be 0% for the purposes of calculating the Al Rayan Bank Revert Rental Rate. Finance amount: £30,000 to £1,500,000 (higher amounts may be considered) Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to four applicants (all applicants must be owner occupier) Cashback: If you choose to proceed with one of our panel solicitors, Al Rayan Bank will pay a 'cashback' of £300 to the customer following the customer's first monthly HPP payment Valuation fees: Al Rayan Bank will pay the valuation fee up to a maximum value of £600. This payment will only apply to the first completed valuation in relation to the HPP application 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 £500 (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 HPP 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 an applicable administration fee, please refer to the HPP Tariff List. Legal title: For HPPs in England & Wales, Al Rayan Bank holds the legal title until all aquisition payments have been made. Please note: Al Rayan Bank 'Fees Assisted' HPPs are available for refinance only How to apply There are a number of ways to apply or to request more information. Call us on 0800 408 0435 (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 complete the application. Product information HPP 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.
Fees Assisted Fixed	70%	£0	3.69%	31 December 2025	4.09%	£300 cash back* We'll pay your valuation fee*
General information Request a call back Call us 0800 408 0435 Apply online Revert rental rate: Al Rayan Bank Variable Rental Rate which for Home Purchase Plan (HPP) = 4.09% (Bank of England Base Rate + 3.99% margin). Please note that if the Bank of England Base Rate (BBR) is ever lower than 0% it will be deemed to be 0% for the purposes of calculating the Al Rayan Bank Revert Rental Rate. Finance amount: £30,000 to £1,500,000 (higher amounts may be considered) Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to four applicants (all applicants must be owner occupier) Cashback: If you choose to proceed with one of our panel solicitors, Al Rayan Bank will pay a 'cashback' of £300 to the customer following the customer's first monthly HPP payment Valuation fees: Al Rayan Bank will pay the valuation fee up to a maximum value of £600. This payment will only apply to the first completed valuation in relation to the HPP application 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 £500 (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 HPP 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 an applicable administration fee, please refer to the HPP Tariff List. Legal title: For HPPs in England & Wales, Al Rayan Bank holds the legal title until all aquisition payments have been made. Please note: Al Rayan Bank 'Fees Assisted' HPPs are available for refinance only How to apply There are a number of ways to apply or to request more information. Call us on 0800 408 0435 (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 complete the application. Product information HPP 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.
Fees Assisted Fixed	80%	£0	3.74%	31 December 2025	4.09%	£300 cash back* We'll pay your valuation fee*
General information Request a call back Call us 0800 408 0435 Apply online Revert rental rate: Al Rayan Bank Variable Rental Rate which for Home Purchase Plan (HPP) = 4.09% (Bank of England Base Rate + 3.99% margin). Please note that if the Bank of England Base Rate (BBR) is ever lower than 0% it will be deemed to be 0% for the purposes of calculating the Al Rayan Bank Revert Rental Rate. Finance amount: £30,000 to £750,000 (higher amounts may be considered) Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to four applicants (all applicants must be owner occupier) Cashback: If you choose to proceed with one of our panel solicitors, Al Rayan Bank will pay a 'cashback' of £300 to the customer following the customer's first monthly HPP payment Valuation fees: Al Rayan Bank will pay the valuation fee up to a maximum value of £600. This payment will only apply to the first completed valuation in relation to the HPP application 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 £500 (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 HPP 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 an applicable administration fee, please refer to the HPP Tariff List. Legal title: For HPPs in England & Wales, Al Rayan Bank holds the legal title until all aquisition payments have been made. Please note: Al Rayan Bank 'Fees Assisted' HPPs are available for refinance only How to apply There are a number of ways to apply or to request more information. Call us on 0800 408 0435 (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 complete the application. Product information HPP 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.
Variable	80%	£499	4.09%	N/A	N/A	No early settlement fees
General information Request a call back Call us 0800 408 0435 Apply online Finance amount: £30,000 to £1,500,000 (higher amounts may be considered) Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to four applicants (all applicants must be owner occupier) 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 HPP 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 an applicable administration fee, please refer to the HPP Tariff List. 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 0435 (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 complete the application. Product information HPP 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	60%
Admin fee	£499
Rental rate	3.24%
End date	31 December 2022
Revert rental rate	4.09%
Features	No early settlement fees
More info & apply
Request a call back Call us 0800 408 0435 Apply online General information Revert rental rate: Al Rayan Bank Variable Rental Rate which for Home Purchase Plan (HPP) = 4.09% (Bank of England Base Rate + 3.99% margin). Please note that if the Bank of England Base Rate (BBR) is ever lower than 0% it will be deemed to be 0% for the purposes of calculating the Al Rayan Bank Revert Rental Rate. Finance amount: £30,000 to £1,500,000 (higher amounts may be considered) Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to four applicants (all applicants must be owner occupier) 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 HPP 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 an applicable administration fee, please refer to the HPP Tariff List. 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 0435 (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 complete the application. Product information HPP 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	70%
Admin fee	£499
Rental rate	3.49%
End date	31 December 2022
Revert rental rate	4.09%
Features	No early settlement fees
More info & apply
Request a call back Call us 0800 408 0435 Apply online General information Revert rental rate: Al Rayan Bank Variable Rental Rate which for Home Purchase Plan (HPP) = 4.09% (Bank of England Base Rate + 3.99% margin). Please note that if the Bank of England Base Rate (BBR) is ever lower than 0% it will be deemed to be 0% for the purposes of calculating the Al Rayan Bank Revert Rental Rate. Finance amount: £30,000 to £1,500,000 (higher amounts may be considered) Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to four applicants (all applicants must be owner occupier) 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 HPP 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 an applicable administration fee, please refer to the HPP Tariff List. 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 0435 (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 complete the application. Product information HPP 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	80%
Admin fee	£499
Rental rate	3.59%
End date	31 December 2022
Revert rental rate	4.09%
Features	No early settlement fees
More info & apply
Request a call back Call us 0800 408 0435 Apply online General information Revert rental rate: Al Rayan Bank Variable Rental Rate which for Home Purchase Plan (HPP) = 4.09% (Bank of England Base Rate + 3.99% margin). Please note that if the Bank of England Base Rate (BBR) is ever lower than 0% it will be deemed to be 0% for the purposes of calculating the Al Rayan Bank Revert Rental Rate. Finance amount: £30,000 to £750,000 Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to four applicants (all applicants must be owner occupier) 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 HPP 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 an applicable administration fee, please refer to the HPP Tariff List. 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 0435 (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 complete the application. Product information HPP 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	60%
Admin fee	£499
Rental rate	3.59%
End date	31 December 2025
Revert rental rate	4.09%
Features	No early settlement fees
More info & apply
Request a call back Call us 0800 408 0435 Apply online General information Revert rental rate: Al Rayan Bank Variable Rental Rate which for Home Purchase Plan (HPP) = 4.09% (Bank of England Base Rate + 3.99% margin). Please note that if the Bank of England Base Rate (BBR) is ever lower than 0% it will be deemed to be 0% for the purposes of calculating the Al Rayan Bank Revert Rental Rate. Finance amount: £30,000 to £1,500,000 (higher amounts may be considered) Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to four applicants (all applicants must be owner occupier) 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 HPP 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 an applicable administration fee, please refer to the HPP Tariff List. 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 0435 (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 complete the application. Product information HPP 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	70%
Admin fee	£499
Rental rate	3.69%
End date	31 December 2025
Revert rental rate	4.09%
Features	No early settlement fees
More info & apply
Request a call back Call us 0800 408 0435 Apply online General information Revert rental rate: Al Rayan Bank Variable Rental Rate which for Home Purchase Plan (HPP) = 4.09% (Bank of England Base Rate + 3.99% margin). Please note that if the Bank of England Base Rate (BBR) is ever lower than 0% it will be deemed to be 0% for the purposes of calculating the Al Rayan Bank Revert Rental Rate. Finance amount: £30,000 to £1,500,000 (higher amounts may be considered) Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to four applicants (all applicants must be owner occupier) 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 HPP 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 an applicable administration fee, please refer to the HPP Tariff List. 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 0435 (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 complete the application. Product information HPP 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	80%
Admin fee	£499
Rental rate	3.74%
End date	31 December 2025
Revert rental rate	4.09%
Features	No early settlement fees
More info & apply
Request a call back Call us 0800 408 0435 Apply online General information Revert rental rate: Al Rayan Bank Variable Rental Rate which for Home Purchase Plan (HPP) = 4.09% (Bank of England Base Rate + 3.99% margin). Please note that if the Bank of England Base Rate (BBR) is ever lower than 0% it will be deemed to be 0% for the purposes of calculating the Al Rayan Bank Revert Rental Rate. Finance amount: £30,000 to £750,000 Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to four applicants (all applicants must be owner occupier) 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 HPP 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 an applicable administration fee, please refer to the HPP Tariff List. 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 0435 (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 complete the application. Product information HPP 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	Fees Assisted Fixed
Finance to value	60%
Admin fee	£0
Rental rate	3.24%
End date	31 December 2022
Revert rental rate	4.09%
Features	£300 cash back* We'll pay your valuation fee*
More info & apply
Request a call back Call us 0800 408 0435 Apply online General information Revert rental rate: Al Rayan Bank Variable Rental Rate which for Home Purchase Plan (HPP) = 4.09% (Bank of England Base Rate + 3.99% margin). Please note that if the Bank of England Base Rate (BBR) is ever lower than 0% it will be deemed to be 0% for the purposes of calculating the Al Rayan Bank Revert Rental Rate. Finance amount: £30,000 to £1,500,000 (higher amounts may be considered) Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to four applicants (all applicants must be owner occupier) Cashback: If you choose to proceed with one of our panel solicitors, Al Rayan Bank will pay a 'cashback' of £300 to the customer following the customer's first monthly HPP payment Valuation fees: Al Rayan Bank will pay the valuation fee up to a maximum value of £600. This payment will only apply to the first completed valuation in relation to the HPP application 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 £500 (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 HPP 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 an applicable administration fee, please refer to the HPP Tariff List. Legal title: For HPPs in England & Wales, Al Rayan Bank holds the legal title until all aquisition payments have been made. Please note: Al Rayan Bank 'Fees Assisted' HPPs are available for refinance only How to apply There are a number of ways to apply or to request more information. Call us on 0800 408 0435 (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 complete the application. Product information HPP 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	Fees Assisted Fixed
Finance to value	70%
Admin fee	£0
Rental rate	3.49%
End date	31 December 2022
Revert rental rate	4.09%
Features	£300 cash back* We'll pay your valuation fee*
More info & apply
Request a call back Call us 0800 408 0435 Apply online General information Revert rental rate: Al Rayan Bank Variable Rental Rate which for Home Purchase Plan (HPP) = 4.09% (Bank of England Base Rate + 3.99% margin). Please note that if the Bank of England Base Rate (BBR) is ever lower than 0% it will be deemed to be 0% for the purposes of calculating the Al Rayan Bank Revert Rental Rate. Finance amount: £30,000 to £1,500,000 (higher amounts may be considered) Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to four applicants (all applicants must be owner occupier) Cashback: If you choose to proceed with one of our panel solicitors, Al Rayan Bank will pay a 'cashback' of £300 to the customer following the customer's first monthly HPP payment Valuation fees: Al Rayan Bank will pay the valuation fee up to a maximum value of £600. This payment will only apply to the first completed valuation in relation to the HPP application 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 £500 (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 HPP 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 an applicable administration fee, please refer to the HPP Tariff List. Legal title: For HPPs in England & Wales, Al Rayan Bank holds the legal title until all aquisition payments have been made. Please note: Al Rayan Bank 'Fees Assisted' HPPs are available for refinance only How to apply There are a number of ways to apply or to request more information. Call us on 0800 408 0435 (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 complete the application. Product information HPP 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	Fees Assisted Fixed
Finance to value	80%
Admin fee	£0
Rental rate	3.59%
End date	31 December 2022
Revert rental rate	4.09%
Features	£300 cash back* We'll pay your valuation fee*
More info & apply
Request a call back Call us 0800 408 0435 Apply online General information Revert rental rate: Al Rayan Bank Variable Rental Rate which for Home Purchase Plan (HPP) = 4.09% (Bank of England Base Rate + 3.99% margin). Please note that if the Bank of England Base Rate (BBR) is ever lower than 0% it will be deemed to be 0% for the purposes of calculating the Al Rayan Bank Revert Rental Rate. Finance amount: £30,000 to £750,000 (higher amounts may be considered) Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to four applicants (all applicants must be owner occupier) Cashback: If you choose to proceed with one of our panel solicitors, Al Rayan Bank will pay a 'cashback' of £300 to the customer following the customer's first monthly HPP payment Valuation fees: Al Rayan Bank will pay the valuation fee up to a maximum value of £600. This payment will only apply to the first completed valuation in relation to the HPP application 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 £500 (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 HPP 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 an applicable administration fee, please refer to the HPP Tariff List. Legal title: For HPPs in England & Wales, Al Rayan Bank holds the legal title until all aquisition payments have been made. Please note: Al Rayan Bank 'Fees Assisted' HPPs are available for refinance only How to apply There are a number of ways to apply or to request more information. Call us on 0800 408 0435 (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 complete the application. Product information HPP 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	Fees Assisted Fixed
Finance to value	60%
Admin fee	£0
Rental rate	3.59%
End date	31 December 2025
Revert rental rate	4.09%
Features	£300 cash back* We'll pay your valuation fee*
More info & apply
Request a call back Call us 0800 408 0435 Apply online General information Revert rental rate: Al Rayan Bank Variable Rental Rate which for Home Purchase Plan (HPP) = 4.09% (Bank of England Base Rate + 3.99% margin). Please note that if the Bank of England Base Rate (BBR) is ever lower than 0% it will be deemed to be 0% for the purposes of calculating the Al Rayan Bank Revert Rental Rate. Finance amount: £30,000 to £1,500,000 (higher amounts may be considered) Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to four applicants (all applicants must be owner occupier) Cashback: If you choose to proceed with one of our panel solicitors, Al Rayan Bank will pay a 'cashback' of £300 to the customer following the customer's first monthly HPP payment Valuation fees: Al Rayan Bank will pay the valuation fee up to a maximum value of £600. This payment will only apply to the first completed valuation in relation to the HPP application 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 £500 (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 HPP 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 an applicable administration fee, please refer to the HPP Tariff List. Legal title: For HPPs in England & Wales, Al Rayan Bank holds the legal title until all aquisition payments have been made. Please note: Al Rayan Bank 'Fees Assisted' HPPs are available for refinance only How to apply There are a number of ways to apply or to request more information. Call us on 0800 408 0435 (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 complete the application. Product information HPP 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	Fees Assisted Fixed
Finance to value	70%
Admin fee	£0
Rental rate	3.69%
End date	31 December 2025
Revert rental rate	4.09%
Features	£300 cash back* We'll pay your valuation fee*
More info & apply
Request a call back Call us 0800 408 0435 Apply online General information Revert rental rate: Al Rayan Bank Variable Rental Rate which for Home Purchase Plan (HPP) = 4.09% (Bank of England Base Rate + 3.99% margin). Please note that if the Bank of England Base Rate (BBR) is ever lower than 0% it will be deemed to be 0% for the purposes of calculating the Al Rayan Bank Revert Rental Rate. Finance amount: £30,000 to £1,500,000 (higher amounts may be considered) Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to four applicants (all applicants must be owner occupier) Cashback: If you choose to proceed with one of our panel solicitors, Al Rayan Bank will pay a 'cashback' of £300 to the customer following the customer's first monthly HPP payment Valuation fees: Al Rayan Bank will pay the valuation fee up to a maximum value of £600. This payment will only apply to the first completed valuation in relation to the HPP application 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 £500 (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 HPP 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 an applicable administration fee, please refer to the HPP Tariff List. Legal title: For HPPs in England & Wales, Al Rayan Bank holds the legal title until all aquisition payments have been made. Please note: Al Rayan Bank 'Fees Assisted' HPPs are available for refinance only How to apply There are a number of ways to apply or to request more information. Call us on 0800 408 0435 (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 complete the application. Product information HPP 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	Fees Assisted Fixed
Finance to value	80%
Admin fee	£0
Rental rate	3.74%
End date	31 December 2025
Revert rental rate	4.09%
Features	£300 cash back* We'll pay your valuation fee*
More info & apply
Request a call back Call us 0800 408 0435 Apply online General information Revert rental rate: Al Rayan Bank Variable Rental Rate which for Home Purchase Plan (HPP) = 4.09% (Bank of England Base Rate + 3.99% margin). Please note that if the Bank of England Base Rate (BBR) is ever lower than 0% it will be deemed to be 0% for the purposes of calculating the Al Rayan Bank Revert Rental Rate. Finance amount: £30,000 to £750,000 (higher amounts may be considered) Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to four applicants (all applicants must be owner occupier) Cashback: If you choose to proceed with one of our panel solicitors, Al Rayan Bank will pay a 'cashback' of £300 to the customer following the customer's first monthly HPP payment Valuation fees: Al Rayan Bank will pay the valuation fee up to a maximum value of £600. This payment will only apply to the first completed valuation in relation to the HPP application 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 £500 (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 HPP 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 an applicable administration fee, please refer to the HPP Tariff List. Legal title: For HPPs in England & Wales, Al Rayan Bank holds the legal title until all aquisition payments have been made. Please note: Al Rayan Bank 'Fees Assisted' HPPs are available for refinance only How to apply There are a number of ways to apply or to request more information. Call us on 0800 408 0435 (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 complete the application. Product information HPP 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	Variable
Finance to value	80%
Admin fee	£499
Rental rate	4.09%
End date	N/A
Revert rental rate	N/A
Features	No early settlement fees
More info & apply
Request a call back Call us 0800 408 0435 Apply online General information Finance amount: £30,000 to £1,500,000 (higher amounts may be considered) Minimum property value: £80,000 Finance term: 7 to 35 years Maximum number of applicants: Up to four applicants (all applicants must be owner occupier) 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 HPP 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 an applicable administration fee, please refer to the HPP Tariff List. 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 0435 (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 complete the application. Product information HPP 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.

* Cashback paid upon receipt of first monthly HPP payment. Valuation fee paid up to a maximum of £600

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