As demand for ethical and faith-aligned investment structures grows, many Muslim investors and developers in the UK are turning to commercial property finance with Halal funding. Unlike conventional debt-based finance, Islamic commercial property loans offer Sharia-compliant, interest-free alternatives that align with both business objectives and Islamic principles.
At Fraser Bond, we advise investors, entrepreneurs, and corporate entities on how to structure and secure Islamic commercial property finance across offices, retail, industrial, hospitality, and mixed-use assets in London and beyond.
Halal commercial finance avoids interest (Riba), uncertainty (Gharar), and speculative risk. Instead, the transaction is structured around asset-backed ownership, leasing, or profit-sharing arrangements approved by a Sharia supervisory board and regulated under UK financial law.
You and the finance provider co-invest in the commercial asset.
You lease the provider’s share and gradually buy it out.
Full ownership transfers upon final payment.
The financier purchases the property and leases it to your business or SPV.
You pay monthly rent with agreed terms and buy the asset at the end.
The financier buys the property and resells it to you at a profit.
The total cost is paid in fixed instalments, with no interest.
These structures can be tailored for both investment acquisitions and owner-occupied commercial premises.
Islamic finance is suitable for a wide range of commercial property categories, including:
Office buildings and business centres
Retail units and shopping arcades
Hotels, guesthouses, and serviced apartments
Industrial warehouses and logistics hubs
Mixed-use developments and regeneration projects
Fraser Bond ensures that all property acquisitions funded via Halal structures are operationally and legally Sharia-compliant.
Several UK-based and international lenders now offer Islamic finance for commercial property, including:
Offers bespoke commercial property finance for investors and businesses
Accepts single assets or portfolio deals
Available to UK-resident individuals, partnerships, and SPVs
Provides Halal funding for commercial and residential investment
Open to UK and international clients, including expats
Often used for acquisitions, refinancing, and property development
Specialises in large-scale Islamic commercial real estate deals
Suitable for institutional and high-net-worth clients investing in UK cities
Fraser Bond works directly with these institutions and their broker networks to secure competitive, Sharia-compliant funding terms.
Minimum deposit: Typically 25%–40%
Deal size: Most lenders require £250,000+ minimum financing
Legal structure: Often held through a limited company or SPV
Due diligence: Property must meet ethical and commercial viability standards
Yield sensitivity: Projected rental income must justify finance structure
Fraser Bond supports clients in structuring and negotiating deals that meet both Islamic finance criteria and UK property law requirements.
We provide end-to-end support for clients pursuing Sharia-compliant commercial investments, including:
Sourcing eligible commercial properties across London
Structuring transactions in accordance with Islamic principles
Introducing you to vetted Islamic finance providers and brokers
Advising on legal, tax, and compliance obligations
Supporting lease negotiations, tenant due diligence, and post-acquisition asset management
Whether you’re purchasing a freehold investment, a development site, or a business premises, Fraser Bond helps you unlock opportunity without compromising on your beliefs.
Fraser Bond makes Islamic commercial property finance in the UK simple, compliant, and commercially sound. From acquisition to completion, our experts ensure your Sharia-compliant investment is structured for long-term success.
Visit FraserBond.com to speak with a Halal commercial property specialist today.
