Ahli United Bank offers a range of fixed and variable rate mortgages that MAY be suitable for you based on your financial circumstances and future plans.

Ahli United Bank (UK) first started offering mortgages in 1984 and today specialises in meeting the unique needs of Gulf- and UK-based clients purchasing residential properties in the UK.

Ahli United Bank (UK) offers mortgage terms and lending criteria that can be tailored to each customer’s personal financial situation but specifically focuses its lending efforts on t properties located in Prime, Central and Outer London and within the Home Counties,

Ahli United Bank (UK) offers mortgages to:

  • private residential
  • Private investment companies
  • Portfolio landlords
  • Partnerships
  • Trusts

Ahli United Bank (UK) is also able to offer its Islamic home purchase plan to:

  • Trusts
  • Corporate bodies
  • individuals

What types of mortgages can I get with Ahli United Bank?

Fixed rate mortgages: With these mortgages, the rates are fixed for a period of 2, 3 or 5 years and provides you certainty over your Ahli United Bank (UK) mortgage for that time frame.

Variable rate mortgages: You can access a host of variable mortgages through Ahli United Bank (UK) mortgages and this mortgages will have a variable rate which can be increased or decreased at any time by Ahli United Bank (UK) mortgages.

Tracker mortgages: You can access a host of tracker mortgages from Ahli United Bank (UK) mortgages. These mortgages will usually track the bank of England’s rate and will move in line with it although it may not be the exact rate but rather a rate which will increase by the same point or increase by the same point as the bank of England rate.

Remortgages: You can access a host of remortgages on any of Ahli United Bank (UK) mortgages products.

Buy to let mortgages: Ahli United Bank (UK) mortgages also offer a host of buy to let mortgages for buy to let investors.

If you are considering getting a mortgage then using a mortgage broker may be a good choice as mortgage brokers usually have access to many more products than any specific mortgage lender.

Mortgage brokers will also usually have access to specific deals from mortgage lenders as well as experience on which mortgage lenders will be more likely to accept your case. This will help you avoid getting rejected on a mortgage application and having to build credit due to the damage a rejection might do to your credit score.

If you have bad credit or are self-employed then specialist mortgage brokers such as bad credit mortgage brokers or self-employed mortgage brokers may be useful.

You may also want to consider the government schemes which are available for first-time buyers and home movers such as:

  • Lifetime ISA- gives you a government bonus of £1,000 if you save the maximum £4,000 a year.
  • Help to buy ISA- gives a maximum bonus us £3,000 if you save the maximum allowed of £12,000
  • Help to buy equity loan- gives you up to 40% as a 5-year interest-free equity loan. You begin to pay interest at 1.75% after the fifth year and 1% plus RPI for every year thereafter.
  • Shared ownership- You can buy between 25% to 75% of the property initially with a shared ownership mortgage and then buy more using a staircasing mortgage.
  • Armed forces help to buy- similar to the help to buy equity loan but specific for the armed forces personnel giving them an increased chance of acceptance.
  • Rent to own- This is the right to buy scheme on which this guide is currently discussing. A different marketing name is just used. Watch out for this when shopping to avoid missing out o eligible properties due to confusion.
  • Right to buy- allows you to buy your home at a discount price.
  • Preserved right to buy- same as above.
  • Right to acquire- same as above.

Disclaimer: The offers compared on this page are chosen from a range of products Huuti has access to track details from and is not representative of all the products available in the market. Unless indicated otherwise, products are displayed in no particular order or ranking. The use of terms “Best”, “Top”, “Cheap” including variations, are not product ratings and are Huuti is not recommending anything here. You should consider seeking independent financial advice when necessary and confirm the validity of the information above for your personal circumstances. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP YOUR MONTHLY REPAYMENTS

John Bate

John has 22 years of experience in financial services. This spans across financial research, financial services (As a qualified mortgage broker and underwriter), financial trading and sales at global investment banks. While working as a publishing research analyst, he covered European bank credit and advised institutional clients on investment strategies at both JP Morgan and Societe Generale. John has passed all three levels of the CFA (Chartered Financial Analyst) programme.