If you are seeking Sharia-compliant finance for ethical or faith-based reasons, you're not alone. More individuals in the UK—Muslim and non-Muslim alike—are turning to Islamic finance because of its transparent, asset-backed structure, its prohibition of interest (riba), and its alignment with ethical investing values.
At Fraser Bond, we offer trusted advisory services that connect clients with halal, ethical, and interest-free property finance solutions across the UK, with particular strength in the London market.
Islamic finance is grounded in principles that appeal to both faith-based and ethically driven clients:
No interest (riba) – Transactions must be free of exploitative interest charges.
Transparency – All parties must know the terms and profit structures up front.
Risk-sharing – Lenders and borrowers share the financial risks and benefits.
Ethical investment – Funds are not directed to prohibited sectors (e.g. alcohol, gambling, weapons).
Asset-backed – All finance is based on tangible, real assets—not speculative debt.
These features make Islamic finance a preferred choice for individuals who seek financial integrity, transparency, and social responsibility.
Here are the most widely used halal alternatives to conventional loans in the UK property market:
The bank buys the property and leases it to you.
You make monthly rent payments while gradually acquiring full ownership.
Interest is replaced by lease payments.
The bank buys the asset and sells it to you at a fixed profit.
You repay in instalments—no interest involved.
Transparent and simple.
You co-own the property with the bank.
You gradually buy back the bank’s share while paying rent on their portion.
Eventually, you become sole owner.
These models are available through FCA-regulated Islamic banks and are suitable for homebuyers, investors, and even commercial developers.
Sharia-compliant finance is ideal for:
Muslim clients observing Islamic principles
Ethically-minded buyers who object to interest-based finance
Self-employed individuals seeking transparent finance terms
Investors building halal property portfolios
Businesses acquiring commercial premises ethically
Fraser Bond has deep experience advising all of the above and can tailor recommendations based on your goals, deposit size, and property type.
Our services include:
