For Muslim buyers and ethical investors, navigating the UK mortgage market requires careful selection of Sharia-compliant, interest-free financing. With multiple Islamic banks offering different models and terms, understanding how to compare halal mortgage deals is essential.
As a trusted real estate and finance advisory, Fraser Bond helps you find the best halal mortgage deal based on your personal circumstances—ensuring every step complies with Islamic principles and UK regulations. Explore lender options, rates, and models all in one place at FraserBond.com.
A truly halal mortgage (known as a Home Purchase Plan – HPP) must:
Avoid riba (interest) entirely
Be structured around tangible assets, not speculative debt
Include clear, upfront agreements (no hidden fees or gharar)
Be approved by qualified Sharia scholars and regulated in the UK
Common halal finance models include:
Ijara (lease-to-own)
Murabaha (cost-plus sale)
Diminishing Musharakah (co-ownership with gradual buyout)
Fraser Bond evaluates each lender and product based on structure, flexibility, affordability, and Sharia compliance.
| Bank | Finance Type | Minimum Deposit | Key Features |
|---|---|---|---|
| Al Rayan Bank | Diminishing Musharakah, Ijara | From 10% | Established Islamic bank, flexible terms, early acquisition options |
| Gatehouse Bank | Diminishing Musharakah | From 5–25% | Green finance options, expat & international eligibility, ethical portfolios |
| UBL UK | Murabaha | 20–35% | Fixed-rate terms, tailored for short/mid-term ownership |
| StrideUp | Shared equity / co-financing | 10–15% | Alternative halal structure for first-time buyers and low-income clients |
➡ Visit FraserBond.com to compare rates and eligibility for each product based on your deposit, income, and property goals.
Fraser Bond is more than a mortgage comparison site—we are your Sharia-compliant property advisory, supporting:
First-time buyers using halal home finance
Buy-to-let investors building compliant rental portfolios
Overseas buyers using HPP Premier services
Self-employed applicants navigating income verification
Green home finance seekers aligning sustainability and Sharia compliance
We liaise directly with lenders, Sharia-compliant solicitors, and compliance specialists to ensure your entire property journey—from deposit to keys—is ethical, smooth, and compliant.
When comparing deals, Fraser Bond helps you evaluate:
Monthly affordability: rent vs acquisition share
Deposit requirements: ranges from 5% to 35%
Rate adjustments: frequency of rent reviews (quarterly vs fixed)
Staircasing options: can you pay down early?
Property type: primary residence vs investment, flat vs house
Loan-to-value limits: especially for expats or non-residents
Start your personalised comparison at FraserBond.com or book a one-on-one consultation with our Islamic finance team.
Whether you're a first-time buyer or an experienced investor, Fraser Bond helps you access the UK’s top halal mortgage deals, tailored to your deposit size, income, and faith values.
We compare lenders, manage applications, and ensure every part of the process is Sharia-compliant. Begin your halal property journey today at:
