Islamic mortgage deposit optimiser
What would the next £1,000 of deposit actually change?
Move the two sliders. We will show which published Islamic home finance products your deposit reaches today, the next threshold worth crossing, and what crossing it is genuinely worth. Including when the answer is very little.
To isolate what a deposit threshold changes, every figure here holds the product shape constant at a standard two-year fixed rate. Variable and five-year products are left out of the measurement, because a cheaper variable is not a deposit threshold.
Working it out.
Where you sit on the ladder
Every published product has a maximum share of the price it will finance. Those maximums are the rungs. Your position moves as you change the sliders.
What you can reach right now
Not priced here: StrideUp. We hold published criteria for it but no rate we can verify against a source, so it is absent from every figure on this page rather than estimated. See what each provider publishes.
How to read this
We hold the product shape constant
A threshold can only be measured between two products of the same kind. Comparing a five-year fix at one rung against a discounted variable at the next would let a change of product type masquerade as a deposit saving, so every figure on this page uses a standard two-year fixed rate on both sides.
Two reasons your payment falls
Putting in more deposit means financing less, and that lowers a monthly payment wherever you are on the ladder. Crossing a threshold is the separate effect: it moves you onto a better published rate. We show both because only the second one is the threshold, and on current products it is often well under half of the total.
Why a rung can be worth nothing
The gaps between rungs are not even. On products we hold today, one boundary is worth most of a percentage point and halves the product fee, while another is worth around five hundredths of a point. A tool that stayed quiet about the second would be letting you save for months to gain a few pounds a month.
What this cannot tell you
Whether a provider would accept you. Affordability, credit history and employment are assessed by the provider and no published formula reproduces them. Reaching a product here means its published terms fit your figures. The eligibility checker tests the published criteria in more detail.
Common questions
- What is a deposit threshold?
- Every published product carries a maximum finance-to-value, which is the share of the property price the provider will finance. Those maximums cluster at particular figures, and the products sitting under a lower maximum are usually priced better. A threshold is the point where your deposit becomes large enough to drop under one of those maximums, which changes both which products you can reach and what they cost.
- Why is the saving split into two parts?
- Because only one part is the threshold. Adding deposit means financing less money, which lowers a monthly payment at any rate and at any point on the ladder. Crossing a ceiling onto a better published rate is the separate, usually smaller effect. Showing only the combined figure would credit the threshold with money you would have saved regardless, so we show both and label which is which.
- Is this telling me to save a bigger deposit?
- No. It states what changes and leaves the decision with you. Money you add to a deposit stays yours as equity in the property, but this tool does not assess what else you could do with it, what delay costs you in rent or moving house prices, or whether a provider would accept you at all. It compares published pricing, nothing more.
- Why do some providers not appear?
- We price 20 products from 2 providers. A provider whose current rates we cannot verify against a published source is named on this page but never given a number, because inventing one to complete the picture would be worse than the gap.
- Are my figures stored?
- No. The calculation runs in your browser. Nothing you type is sent to us or to anyone else, and your figures never appear in the page address, so a link you share carries no information about your situation.
- How accurate are the monthly figures?
- They are modelled estimates, not quotes. We apply standard repayment-style amortisation at each provider published initial rate over a 25 year term, identically to every product so they compare on one basis, and we include published product and application fees. The contracts underneath work differently, and only a provider can tell you your actual payment.
Tell us what the published data could not answer
Everything above comes from what providers publish. Whether a provider will actually take you depends on affordability, credit history and the property itself, and on criteria nobody prints. Tell us what you are stuck on and we will come back to you.
If a threshold on this page changes your plans, say where you are now and what you are aiming at.
Now test the rest of the picture
Thresholds are one criterion. Deposit size is not what decides most declines.