In the fast-moving UK property market—especially in London—buyers often need quick-access funds to secure deals, complete auctions, or bridge between property sales. For Muslim investors and developers, however, traditional bridging loans, which are interest-based, are not compatible with Islamic financial principles.
The good news is that Sharia-compliant bridging loans are now available in the UK, allowing buyers to access short-term Halal finance that complies with Islamic law (Shariah) and supports ethical property transactions.
At Fraser Bond, we help clients secure compliant and competitively structured Islamic bridging finance, particularly for residential, buy-to-let, and development properties.
A bridging loan is a short-term funding solution used to:
Secure a property before long-term finance is arranged
Buy at auction with quick completion timelines
Bridge the gap between sale and purchase of property
Fund renovations or pre-sale improvements
A Sharia-compliant bridging loan uses non-interest-based contracts such as:
The lender purchases the property or asset
It is resold to the buyer at a pre-agreed markup
Repayments are fixed and do not involve interest
The lender buys the property and leases it to the buyer
The buyer makes rent payments, with ownership transfer at the end
These models avoid Riba (interest), Gharar (excessive uncertainty), and speculation, ensuring the transaction is both Sharia-compliant and legally enforceable under UK law.
Islamic bridging loans are ideal for buyers who need:
Fast completion funding for auctions or repossessions
Cash-like finance while waiting for a sale or refinance
Short-term funding for refurbishments or conversions
Capital to complete a buy-to-let or HMO acquisition
Bridge-to-HPP or bridge-to-Murabaha options for long-term Halal mortgages
Typical terms range from 3 to 18 months, and repayment is made via sale, refinance, or structured payout.
Although fewer in number than conventional lenders, several specialist and Islamic finance institutions offer Halal bridging loans:
UK-based Islamic finance company
Offers residential and commercial bridging
Structures based on Murabaha and Ijara
FCA-regulated and Sharia-certified
Occasionally offers short-term Islamic finance for HNW clients
Deal-specific—typically arranged through partner brokers
Offers short-term structured investment facilities for developers
May accommodate bridge-like arrangements on larger transactions
Fraser Bond works directly with approved Islamic lenders and Sharia-compliant intermediaries to secure quick, ethical bridging facilities tailored to your property goals.
Before applying, property buyers should consider:
Minimum finance size: Often £100,000+
Deposit: Typically 30%–40%
Exit strategy: Resale, refinance, or long-term Islamic mortgage
Speed of completion: 7–21 days with full documentation
Legal structure: Requires solicitors familiar with Islamic finance
Fraser Bond supports buyers in structuring the deal, preparing documentation, and coordinating Sharia-compliant legal and tax advice.
We assist investors, landlords, and developers across London and the UK with:
Sourcing Sharia-compliant bridging solutions
Structuring short-term deals within Halal frameworks
Identifying eligible auction or high-potential properties
Transitioning from bridging to Islamic long-term finance
Supporting HMO, commercial, and residential investments
Whether you need rapid funding or are bridging to a Home Purchase Plan (HPP) or Islamic Buy-to-Let, Fraser Bond provides a fully managed, compliant route.
Need quick funding without compromising your faith? Sharia-compliant bridging loans offer UK property buyers a powerful, ethical alternative to traditional interest-based lending. Fraser Bond is here to help you act fast—without compromising on values.
Visit FraserBond.com to speak with our Halal finance specialists or request a property finance assessment.
