For many Muslims living in London, buying a home can be challenging—not just due to market prices, but also because conventional mortgages involve interest (Riba), which is prohibited in Islamic finance. The good news is: yes, Muslims can get Halal mortgages in London, thanks to growing demand and the availability of Sharia-compliant property finance options across the UK.
At Fraser Bond, we work with Muslim clients across London to find and secure Halal mortgage solutions that meet religious, legal, and financial requirements.
A Halal mortgage, also known as a Home Purchase Plan (HPP), avoids interest by using ethical, asset-based finance models approved under Sharia law. Instead of lending money and charging interest, the bank and buyer enter into a partnership or lease agreement that facilitates home ownership without Riba.
Buyer and bank co-own the property
You pay rent on the bank’s share and gradually buy it out
Full ownership transfers at the end
The bank buys the property and leases it to you
You pay rent and acquire ownership at the end of the lease
The bank buys the home and sells it to you at a fixed profit
Payments are made in agreed instalments without interest
These structures are regulated by the Financial Conduct Authority (FCA) and reviewed by Sharia supervisory boards for compliance.
The UK’s Islamic finance sector is well established, with major providers offering Halal mortgage products to London-based buyers, including:
Offers Sharia-compliant residential and Buy-to-Let Home Purchase Plans
Strong presence in London with Arabic and Urdu-speaking advisors
FCA-regulated and widely accepted by legal professionals
Specialist Islamic bank offering HPPs and investment products
Serves salaried and self-employed buyers, including professionals
Covers most Greater London postcodes
Offer Halal mortgages through approved brokers
Typically suited for high-net-worth or portfolio buyers
Fraser Bond works with these providers and trusted intermediaries to ensure clients access the most suitable Islamic mortgage structure and terms for their needs.
Most Halal mortgage providers consider applicants who are:
UK citizens or residents (some accept expats)
First-time buyers or experienced property owners
Able to provide a deposit (usually 20–30%)
Employed or self-employed with proof of income
Seeking residential or rental properties compliant with Sharia principles
We support clients across London boroughs including Tower Hamlets, Brent, Newham, Ealing, Harrow, and Waltham Forest, ensuring smooth, compliant purchases.
Fraser Bond offers full-service support for Muslim buyers across London’s real estate market, helping you:
Identify homes eligible for Sharia-compliant finance
Connect with regulated Halal mortgage providers
Prepare and submit all required application documents
Manage negotiations, legal due diligence, and property completion
Structure Buy-to-Let or residential purchases the Halal way
Whether you're a first-time buyer, upgrading your family home, or building an investment portfolio, our advisors ensure your faith and financial goals work together.
Yes—Muslims can get Halal mortgages in London, and Fraser Bond is here to help. We simplify the process, ensure compliance, and match you with interest-free mortgage solutions that make homeownership a reality.
Visit FraserBond.com today to book your Halal mortgage consultation and take your next step towards ethical property ownership.
