Compare UK Islamic & halal mortgages.
The UK market, checked in public. Every material figure sourced, every change dated.
Independent research into the halal mortgage UK market: which providers are open, their published rates, deposits and fees, and what we could not verify. The propositions in our register are regulated Home Purchase Plans and other Sharia-compliant home finance structures, and for every one we track we show the source, the date, and anything we could not verify. We are researchers, not advisers, and we show our working.
Discounted variable, up to 65% finance-to-value. £499 product fee plus £149 application fee. Follow-on 7.25%. Rate card effective 14 April 2026; still on the provider's live page when we checked 6 August 2026.
View assumptions and sourceMainstream Islamic mortgage providers open to UK-resident applicants
These are the halal mortgage providers we can currently evidence. 3 of the 13 propositions we track are mainstream Home Purchase Plans open to standard UK-resident owner-occupier applications. The rest serve specific customers, or could not be verified. Headline figures carry conditions; the register shows every one with its source. Open the full comparison · See specialist and international propositions in the provider register · Track Islamic mortgage rates
What an Islamic or halal mortgage would cost you.
Three numbers give a first estimate. We price your figures against every published initial rate we hold, fees included, and show the lowest monthly payment in the dataset. The full Islamic mortgage calculator shows total costs, follow-on rates and the working.
Free. No signup. Your figures are not stored or sent anywhere.
A modelled illustration on published initial rates for products open to UK residents, not a quote or an offer. Any condition on the winning product, such as an EPC requirement, is named with the figure. Follow-on rates, affordability, credit history and the property all change the answer. Track Islamic mortgage rates
Where are you in this?
Published eligibility can rule a provider out before the rate ever matters. Start with the thing that describes you, or check the published criteria against your answers.
How Islamic and halal mortgages work.
Most UK products called Islamic mortgages, halal mortgages or Sharia mortgages are regulated Home Purchase Plans. Many use co-ownership, known as diminishing musharaka: you and the provider buy the property together, you pay rent on the provider's share, and you gradually acquire more of it until the home is yours. Others use structures such as murabaha, where the property is bought and resold to you at an agreed profit.
Providers describe these arrangements as Sharia-compliant because they avoid a conventional interest-bearing loan contract, although their pricing may still follow conventional market benchmarks. Scholars differ on whether every structure achieves its stated objectives, so we report the published positions rather than issuing our own ruling. Read how Islamic mortgages work · Where scholars disagree · What a Home Purchase Plan is
Where Islamic mortgage comparisons go wrong.
Three habits do the damage in this market, and avoiding them is the entire reason this site exists.
- 3 of 13mainstream and open Mixing providers who serve completely different applicants A list can name every firm that has ever offered Islamic finance in the UK. Of the 13 propositions we track, 3 are mainstream plans open to standard UK-resident owner-occupier applications. The others serve GCC applicants, private-banking clients, or existing customers only.
- 06 AUGlatest full market check Printing rates with no date A rate without a checked date is a rumour. Every figure here carries the day we read it, and we flag a rate card that has gone stale rather than quietly leaving it up.
- 22gaps published Presenting missing information as though it were settled We publish 22 open questions, each naming the provider, what we asked and when. When two of a provider's own pages disagree, we show both rather than picking the flattering one.
Latest checks and corrections.
Research that never admits a gap is marketing. The newest entry in each column of the record:
22 open questions · 86 dated entries. See everything we could not verify, and what we changed · How we work
Compare, calculate and understand.
Common questions about this site
- Which Islamic mortgage providers are open to UK buyers right now?
- As of our last full market check, 3 mainstream providers were open to standard UK-resident owner-occupier applications: Gatehouse Bank, StrideUp, Offa. We track 13 propositions in total; the others serve narrower customers, use different structures, or had no route we could verify. The register lists every one with its status and the evidence.
- Is Islamic Mortgage Guide independent?
- Nobody pays us at present: no commercial partners, no referral arrangements, no advertising and no affiliate links. No provider can pay to appear, to improve how it is described, or to have a finding softened. If that ever changes, our how-we-make-money page changes first, and the policy it describes cannot change quietly.
- How current is the information on this site?
- Every material figure carries the date we checked it. Rates are re-checked every 14 days and criteria every 60, and the change log records every observed market change and every material correction under its published definition, 86 dated entries so far. Where we could not verify something we publish the gap, currently 22 open questions, rather than an estimate.
- Do you give Islamic mortgage advice?
- No. We are researchers, not advisers. We publish what providers state, with sources and dates, and we build tools that test your figures against published criteria and pricing. We do not recommend a provider, we do not currently pass enquiries to anyone, and nothing here is a personal recommendation. Decisions about regulated home finance deserve an authorised adviser.
Start with who would actually take you.
The register holds 68 rate records from 58 sources, each with the date we checked it. Free, no signup, sources shown, and we will tell you when we are not sure.
Think we have something wrong? Tell us and we will correct it publicly in the change log, with the date.