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US citizens in the UK · Institutions

Which Kuwait Finance House accounts accept US citizens

Last checked

Kuwait Finance House offers a residential mortgage to a US person, with strings.

If you already have an account with Kuwait Finance House, a second one there is usually the easier application, because Kuwait Finance House has already checked who you are. Each account below carries its verdict, the evidence behind it and the date it was last updated.

At a glance

Account type Verdict Accounts Updated
Mortgages Kuwait Finance House PLC, formerly Ahli United Bank UK Accepts with conditions 2

Mortgages

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Kuwait Finance House PLC, formerly Ahli United Bank UK

Accepts with conditions
Updated

US persons: a £250,000 floor, a 70% ceiling, and only certain postcodes

Rebranded from Ahli United Bank UK after the Kuwait Finance House takeover, and still writing owner occupier home finance, but as a private bank. It considers earnings in sterling and in foreign currency, so dollar income counts, and it sets no nationality bar. The gates are size and postcode: £250,000 minimum, 70% maximum, and property in London, the Home Counties, Manchester or Milton Keynes. As with all sharia home finance, take the US tax treatment to an adviser rather than assuming it.

Through an intermediary · from £250,000, London, the Home Counties, Manchester or Milton Keynes

Account Terms The catch
Ijarah home purchase plan, variable
Rate
5.875%, variable
Term
Up to 30 years
Max LTV
70%
Product fee
1.0% of the finance
Rate as of
 A margin of 2.125% over the KFH base rate, so the payment moves. No early payment charges on the variable rate.
Ijarah home purchase plan, 5 year fixed
Rate
6.286%, fixed
Then
2.125% over the KFH base rate
Term
5 years
Max LTV
70%
Product fee
1.0% of the finance
Rate as of
 Indicative, and set at completion from the profit margin plus the five year swap rate. Terms to 30 years, minimum finance £250,000. Below 50% finance to value it is 5.911%.

Source: KFH PLC Ijarah home purchase plan product guide, 2026-08-17 Kuwait Finance House PLC, formerly Ahli United Bank UK's own page

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Confirm your own position with a cross-border specialist. Acceptance policies and tax rules change, and your facts may differ from the general case. Rates and terms here are the provider's published figures rather than an offer, and the provider decides each application on its own criteria. Use this as a map, not a ruling. Last checked .
Tax

FATCA

Do UK banks report your account to the IRS? Yes, through HMRC, under FATCA. It is a reporting law, not a tax. Where it bites is access.