With growing demand for ethical investments, many Muslim landlords and investors are seeking to build or expand a buy-to-let property portfolio without compromising their religious values. In the UK, it's entirely possible to purchase a buy to let property with Islamic finance—using regulated structures that are Sharia-compliant and interest-free.
At Fraser Bond, we support landlords and investors in acquiring and managing rental properties using Halal buy-to-let finance models, tailored to the UK market and legal system.
Yes—Islamic Buy-to-Let (BTL) finance is widely available through specialist providers. These arrangements avoid Riba (interest) and speculative transactions by using asset-backed ownership models. As a landlord, you earn rental income from your tenants while repaying your finance partner through a Sharia-approved structure.
The investor and bank co-purchase the rental property
The investor pays rent on the bank’s share while gradually buying it out
Full ownership is transferred over time
The bank purchases the property and leases it to the investor
You collect rental income from tenants and pay lease instalments to the bank
Ownership transfers at term end
All structures must comply with FCA regulation and approval by a Sharia supervisory board.
Sharia-compliant investment structure (no Riba)
Transparent, predictable monthly payments
Legally recognised and regulated by the FCA
Suitable for both residential and commercial rental assets
Ideal for UK residents, professionals, and expat landlords
Whether you’re purchasing your first buy-to-let or growing an established portfolio, Halal finance allows you to invest ethically while generating stable rental returns.
Offers Sharia-compliant Buy-to-Let Purchase Plans (BTLPP)
Available for both individuals and SPVs
Accepts salaried, self-employed, and landlord income
Properties must meet rental yield and valuation criteria
Islamic BTL finance for UK residents and international investors
Offers options for single-unit or multi-unit freehold blocks
Minimum property value: £100,000
Minimum finance: £75,000
Structured as Murabaha or Ijara
Suitable for UK-based investors with residential rental focus
Fixed profit margin agreements available
Fraser Bond works with leading brokers and underwriters to help clients access the best Halal finance products based on portfolio goals, rental strategy, and geographic preference.
To qualify for Islamic BTL finance in the UK, most providers require:
Minimum deposit of 25–35%
Minimum personal income (typically £20,000–£30,000)
Property located in England or Wales
Proof of rental income or projected yield
Compliance with lettings regulations and tenant law
At Fraser Bond, we ensure the property you select qualifies for your preferred Islamic finance structure and meets all regulatory and rental standards.
With deep expertise in London property markets and Sharia-compliant finance, Fraser Bond offers end-to-end support for ethical investors:
Sourcing BTL-ready properties eligible for Halal finance
Connecting with approved Islamic finance providers
Structuring SPVs, lease terms, and rental strategies
Coordinating legal, survey, and compliance teams
Managing properties post-purchase through lettings & tenant services
We help investors maximise yield while maintaining faith-based financial discipline.
If you're looking to purchase a buy-to-let property using Islamic finance, Fraser Bond can help you access the right lender, structure your deal correctly, and find high-performing rental opportunities across London and the UK.
Visit FraserBond.com to schedule a consultation or browse Sharia-compliant investment listings today.
