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Residential Mortgages

Residential Property Finance > Residential Mortgages

Residential Mortgages

AUB (UK) has been offering residential mortgages since 1984.

Our services have evolved over time and we pride ourselves in providing solutions that specifically deal with individual circumstances. Whether clients are based in the UK or overseas, looking to purchase a property for private residence or for investment purposes in the UK, we are here to help. Our bespoke service means that we are perfectly at home providing home purchase plans to the following:

Individuals

Private Investment Companies

Partnerships

Trusts

Portfolio Landlords

Whether lending to an individual or a company we do not differentiate on price and fees. We are able to lend on a Regulated, Consumer Buy to Let (CBTL) or Buy to Let basis and consideration can be given to income earnt in both GBP and Foreign Currency.

Our lending is primarily secured against properties located in Prime, Central and Outer London and within the Home Counties, however, as our terms and lending criteria can be tailored to individual needs we are able to consider other locations on a case by case basis.

We accept business directly or via mortgage brokers and have a dedicated and experienced team ready to assist with specific needs.

For further information please call our Head of Residential Mortgages on +44 (0) 207 487 6944 or email us at info.aubuk@ahliunited.com

Your home may be repossessed if you do not keep up repayments on your mortgage

Coronavirus (COVID-19) and your mortgage

Coronavirus support

We are here to help clients who may be affected by coronavirus.

Ahli United Bank (UK) PLC (the “Bank”) supported customers who were experiencing difficulties in making their mortgage payments as a result of COVID-19 by providing the option of a taking out a payment holiday (a “Payment Holiday”) on their mortgage contract. This allowed clients to take a break from making their contractual mortgage payments.

The Payment Holiday (deferral) scheme has come to a close with effect from 31 October 2020. If you have used the scheme and are still worried about resuming your mortgage payments, then we would urge you to contact us as soon as possible. We might be able to help by taking your individual circumstances into account to try to find a solution or arrange a new mortgage payment plan that suits you.

If you do need to speak to us:
Telephone: 020 7487 6500
Opening Hours – Monday to Friday: 9am – 5pm

Alternatively email us at:
AUBUK.MortgagehelpCOVID-19@AhliUnited.com

Details required:
Your Name / Mortgage Account Number / Address of Property to which the mortgage relates.

Get more help:
If you’re still worried about managing your debts, there are plenty of places to find help.
https://www.moneyadviceservice.org.uk/en/categories/taking-control-of-debt
https://www.citizensadvice.org.uk/debt-and-money/help-with-debt/

Complaints:
If you have a complaint or concern about the Bank’s Services, please contact your Relationship Manager in the first instance or if you prefer you may call +44 (0)20 7487 6500 and speak to the Bank’s Compliance Department.

If the Bank is unable to resolve your complaint to your satisfaction by the close of business on the third Business Day after it is received, the Bank will provide you with a copy of its leaflet entitled “Customer Complaints”, which provides information as to how the Bank administers complaints including its timeframes for responding or updating you with the progress of its investigation. The Bank is committed to investigating any complaints fully and fairly in line with the regulatory requirement of “Treating Customers Fairly”.

Formal complaints should be made, preferably in writing, to the Compliance Department. If you are not satisfied with the Bank’s handling of your complaint you may have the right to refer it to the Financial Ombudsman Service (FOS). The FOS is an organisation set up by law to give consumers and certain other entities (such as small businesses) a free and independent service for resolving disputes with financial services providers.

The FOS can be contacted at: Financial Ombudsman Service, South Quay Plaza, 183 Marsh Wall, London E14 9SR, telephone number: 0800 023 4567 or 0300 123 9123. If calling from outside the UK, telephone number +44 20 7964 0500.

If you require details of the Bank’s complaints handling arrangements or details about the FOS, these may also be provided on request in Arabic if this is specified. If you are not eligible to use the FOS, please note that the Bank does not use any alternative dispute resolution services.

Historic information relating to Mortgage Payment Holidays

Mortgage Payment Holiday due to financial difficulty relating to COVID-19

If you are struggling with your mortgage payments because of COVID -19 one of the things you may want to consider is a mortgage payment holiday.

You can apply for a mortgage payment holiday of up to 3 months with us now. All parties to the mortgage will also need to agree.

Download the factsheet below for further information on how to apply for a mortgage payment holiday.

AUB Mortgage Payment Holiday Fact Sheet for Customers

Payment Holiday Coming to an end

Download the Factsheet if you have already availed of a Payment Holiday and considering continuing arrangements.

Payment Holiday Coming to an end Fact Sheet

If you were already in financial difficulties prior to COVID-19 we have other ways we may be able to support you and please do not hesitate to contact us.

How can I know more about residential mortgages?

Click on the Apply Now for enquiry or for more information click on Tell Me More.

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