Own Your Home the Halal Way
Your dream of owning a home shouldn’t come with financial compromise. Our halal Home Finance solution offers a Shariah-compliant alternative to conventional mortgages, with interest-free and flexible payment plans. Whether you’re a first-time buyer or refinancing, we make the process simple, transparent, and tailored to your needs.
Eligibility & Requirements
- Minimum age requirement is 21 years
- A good credit history
- UK-resident or have resided in the UK for 2 years
- Buying a home for personal use
- Documents for proof of identity
- 3 recent payslips and bank statements for the last 3 months
Minimum Deposit
- At least a 10% deposit for a standard house
- At least a 15% deposit if buying a new house
- At least a 25% initial deposit for new flats
Payment Structure
In the monthly payment structure, you’ll pay:
- Acquisition Payment: Each month, you buy a bigger share of your home as our share decreases.
- Rent: You pay rent only on the part of the property we still own.
And at the end of your Home Purchase Plan term, you will own 100% of the property.
Interest-Free Homeownership
Our Home Purchase Plan (HPP) isn’t just an alternative to a mortgage; it’s a smarter way to own your home without interest, pressure, or compromise. Instead of borrowing with riba, you co-own the property with us and gradually increase your share through monthly payments. Our products are transparent and built on the Islamic principles of Diminishing Musharaka and Ijara. And what truly sets us apart is our genuine commitment to what’s best for you.
Key Features
Shariah-Compliant
All our products are built on Islamic finance principles, and are entirely interest-free, so you can own your home, invest in a property in a halal way.
FCA-Regulated
We’re fully authorised and regulated by the Financial Conduct Authority (FCA), and that means you’re protected under UK financial laws.
Flexible Solutions
We provide flexible financing options and customised payment plans designed around your circumstances, so you can buy property with complete peace of mind
Ethical Partnership
We are not just lenders, we are co-owners, so this means we share equal responsibility and mutual respect, so you feel well-supported at every step.
