Muslim entrepreneurs and commercial property investors across the UK are increasingly seeking halal mortgage options that align with Islamic finance principles. For those looking to purchase, refinance, or invest in commercial assets—such as office buildings, retail units, and mixed-use developments—commercial halal mortgages provide a compliant and ethical pathway.
As a trusted London property advisor, Fraser Bond supports businesses and investors with bespoke Sharia-compliant finance solutions tailored to commercial needs.
A commercial halal mortgage is a form of Islamic finance that avoids interest (riba) and adheres to Sharia law. Instead of charging interest, Islamic banks structure the transaction around profit-sharing, rental, or cost-plus-sale agreements, such as:
The bank purchases the commercial property and leases it to the business.
The business pays monthly rent, with an agreement to purchase the asset over time.
No interest is charged—only agreed-upon rent and acquisition payments.
The bank acquires the commercial asset and resells it to the client at a profit.
The sale price is fixed and repaid over time in instalments.
Transparent and suitable for established businesses with a lump-sum deposit.
The client and bank co-own the property.
The client gradually buys the bank’s share while paying rent on the remaining stake.
A flexible structure for investment and expansion.
These models comply with Sharia law, UK regulatory standards, and are approved by Islamic finance boards.
Commercial halal mortgage options are ideal for:
Muslim entrepreneurs purchasing offices or retail premises
Developers financing halal-compliant residential or mixed-use projects
Property investors expanding their commercial portfolios ethically
Overseas buyers acquiring commercial property in London under Islamic finance terms
Fraser Bond assists clients in assessing commercial viability, lender criteria, and asset eligibility to ensure the funding process runs smoothly.
Sharia-compliant and interest-free
Suitable for business, retail, and investment properties
FCA-regulated lenders available in the UK
Transparent terms and ethical structure
Aligned with personal and corporate values
Fraser Bond works with leading halal finance providers—including Gatehouse Bank, Al Rayan Bank, and UBL UK—offering commercial mortgage solutions for UK-based and international clients.
Fraser Bond’s commercial and Islamic finance advisory team supports clients with:
End-to-end structuring of Sharia-compliant mortgage deals
Property acquisition services across London’s high-demand zones
Introductions to FCA-authorised Islamic lenders
Legal and compliance oversight during the mortgage and acquisition process
Investment strategy guidance for halal property portfolios
Whether you're purchasing a business premises in Shoreditch, acquiring a retail unit in Mayfair, or funding a halal residential development, Fraser Bond ensures compliance, efficiency, and growth.
If you’re looking for an interest-free commercial mortgage in the UK, Fraser Bond can help structure and secure the right deal for your business or investment. We bring together commercial property insight and Islamic finance expertise to support your goals.
Visit FraserBond.com or contact our commercial finance team for a private consultation.
