Murabaha property finance offers an ethical, interest-free alternative to conventional mortgages for Muslim buyers and investors in the UK. As a leading London property consultancy, Fraser Bond provides expert guidance on this popular Sharia-compliant financing model, ensuring clients can access the property market without compromising their religious values.
Murabaha is a cost-plus-profit structure that replaces traditional interest-based lending with a transparent sales transaction. In a Murabaha property finance agreement:
The Islamic bank purchases the property on behalf of the buyer.
The bank sells the property to the buyer at an agreed-upon markup.
The buyer repays the bank in fixed instalments over a set term.
There is no interest charged. The profit margin is disclosed upfront, and all terms are agreed upon to maintain transparency and Sharia compliance.
Murabaha is especially suitable for:
First-time buyers seeking halal home finance
Investors buying UK property with cash-like structures
Buyers who need short-term fixed repayment clarity
At Fraser Bond, we work closely with lenders to structure compliant deals and match properties to client needs.
The London real estate market presents high-value opportunities for Muslim buyers. Murabaha offers unique advantages:
Sharia-compliant – Fully avoids interest (riba) in accordance with Islamic law
Fixed costs – Predictable payments, with all costs agreed at the outset
Simple structure – No complex equity-sharing or rental mechanisms
Regulatory assurance – UK halal mortgage providers are regulated by the Financial Conduct Authority (FCA)
Leading Islamic banks such as Al Rayan Bank, Gatehouse Bank, and UBL UK offer Murabaha-based property finance products across London boroughs. Fraser Bond ensures clients select the right lender, navigate application criteria, and source eligible properties that align with Islamic finance rules.
Fraser Bond is a trusted partner for clients seeking halal investment and home ownership options. Our services include:
Sourcing London properties eligible for Murabaha finance
Liaising with Sharia-compliant lenders for smooth approvals
Advising on compliance and legal requirements throughout the process
Investor services for portfolio expansion using ethical finance
Supporting overseas buyers navigating UK property laws and Murabaha structures
Whether you're purchasing a family home in Canary Wharf or investing in rental units in Central London, our team ensures your financing remains compliant and competitive.
If you're exploring Murabaha property finance in the UK, Fraser Bond can guide you from start to finish. We help match you with the right Islamic lenders, source Sharia-compliant properties, and manage the process with complete transparency.
Visit FraserBond.com or contact our compliance advisory team today for a confidential consultation.
