Can I check my eligibility for an Islamic mortgage online?

You can check the published criteria, which is what this tool does. It tests your deposit tier, property location and type, residency, age, work status, EPC rating and finance amount against the eligibility rules that 3 UK providers publish, and shows which rule matches, which rules you out and which we could not resolve. What no tool can check is affordability, credit history and the property itself, because those are assessed by the provider on evidence you have not given anyone yet. Passing every published criterion is the start of an application, not the outcome of one.

What are the eligibility criteria for a halal mortgage in the UK?

They are close to conventional mortgage criteria, because the underwriting question is the same: can you afford it and is the property good security. The published entry conditions are a deposit of at least 5 to 20% depending on provider and property type, a property in a nation the provider lends in, a minimum and maximum amount of finance, a minimum age, and for some products a specific EPC rating. Residency and immigration status are separately published and are where applicants most often fall out.

Why does the checker say a criterion is unresolved rather than pass or fail?

Because the provider has not published enough for us to answer it, or has published two figures that disagree. An unresolved criterion is never counted as a pass. Treating silence as permission is how a tool tells someone they qualify for something that does not exist, so the third state is kept visible and counted separately in the summary.

Does this affect my credit score?

No. Nothing here is an application, no search is performed and no provider is contacted. The check runs entirely in your browser: what you type is not stored, not sent to us and not sent to anyone else. We do not currently pass enquiries to advisers or providers.

No provider matched my answers. Does that mean I cannot get an Islamic mortgage?

No. This checker covers the 3 mainstream providers whose criteria we hold in enough detail to test. Our register tracks 13 propositions in total, and several exist specifically for applicants living outside the UK or financing above the mainstream ceilings. A nil result means these providers' published criteria do not match what you entered, which is a narrower statement than the market having nothing for you. The commonest single cause is the deposit tier.

Is the checker the same as an agreement in principle?

No, and the difference matters. An agreement in principle is issued by a lender after it has assessed your income, outgoings and credit file, and it may involve a credit search. This tool compares your answers to published rules and issues nothing. Nobody has looked at your finances at the end of it, including us.

Which providers' published criteria match your answers?

Answer seven questions and we check them against the published eligibility criteria we hold for the 3 mainstream UK Islamic mortgage providers, checked on 6 August 2026. You see exactly which criteria match, which do not, and which we could not resolve.

What this checker covers. Gatehouse Bank, StrideUp and Offa: the mainstream providers for which we hold enough published criteria to run the check. Our register tracks 13 propositions in total, and specialist, international and private-bank offerings are not yet included here, so a nil result means these three do not match, never that no option exists.

Islamic mortgage eligibility has two halves, and this tool covers one of them. This is criteria matching, not an eligibility decision. Affordability, credit history and the property itself are assessed by the provider, and no result here means you qualify. Nothing you enter is stored or sent anywhere.

How this checker works

What it checks: property location, customer type, deposit tier, minimum finance, maximum finance, property value, minimum age, self-employed, purchase or refinance, EPC rating. A criterion is tested for a provider only where that provider publishes a rule we can model, so the rows on one card are not always the rows on another, and a criterion we hold nothing for is listed as untested rather than left out.
What it cannot check: Affordability, credit history, income evidence, the property's condition or lease, and anything a provider does not publish. Those are marked as not published rather than assumed.
Where a provider disagrees with itself: We hold every figure the provider publishes and check your answer against all of them. Clear them all and the criterion passes, with the disagreement still noted. Fail them all and it fails. Land between two figures and it is unresolved, because which one governs would decide your answer and we have not established that. We do not resolve a disagreement by preferring the consumer page over the intermediary one: a difference between channels can be a deliberate policy distinction, stale documentation, or a genuine contradiction, and choosing between them on the basis of which audience a page is written for is not evidence.
Two kinds of uncertainty: Whether the evidence disagrees, and whether that disagreement changes your result, are separate questions. You can clear a disputed threshold comfortably while the underlying fact stays disputed. Each card reports both.

Read the full methodology · See every criterion with its source

What UK Islamic mortgage providers actually publish

Islamic mortgage eligibility splits into two halves that behave very differently. The published half is a set of entry conditions any provider will state openly, because they define the product rather than the applicant. The unpublished half is underwriting, and no provider states it, because it depends on evidence you have not given anyone yet. This tool works on the first half only, and the distinction is the most useful thing on this page.

Deposit, which can rule a provider out on its own: Providers publish a maximum finance-to-value, and it moves with the property: a new-build flat is usually capped lower than an existing house with the same provider on the same day. Crossing a tier can change both which providers are open to you and the rate you face, and in some current bands the step between tiers is larger than the gap between providers inside one. What deposit each provider requires
Where the property is: A hard product boundary, not a preference. Some providers lend in England and Wales only, and no amount of deposit changes that. Scotland and Northern Ireland are the common gaps.
Residency and immigration status: The criteria providers publish least consistently, and the ones most likely to change which route is open to you rather than merely which rate. Time in the UK, visa route, and status as a UK resident, a British expat or an international applicant: three separate questions with three separate published answers. Which visas each provider names
Finance amount, at both ends: Every product has a minimum and a maximum, and the minimums differ enough between providers to change which products exist for a smaller purchase. A modest amount of finance can rule out the cheapest product on the market without anything else about the buyer changing.
The property itself: Some rates carry a condition on the building rather than the buyer: an energy rating, a new build, a flat rather than a house. A rate with a condition you do not meet is not a rate that is available to you, so the check treats it as a criterion like any other.
How you are paid: Employment is straightforward. Self-employment is where published criteria get thin and where two providers can differ by a whole year of trading history. What each provider publishes for self-employed applicants

None of that is affordability. A provider assesses income, outgoings, existing commitments, credit history and the property's valuation and legal title, and reaches a decision that no published criterion predicts. Passing every rule this tool can test means you have cleared the entry conditions, which is the beginning of an application rather than the result of one.

Where these criteria come from

Every rule the check applies is read from a provider's own published material, recorded with the document it came from and the date we read it. Nothing is inferred from a competitor, estimated, or carried over from a previous version of a page. Where a provider publishes two figures that disagree, we hold both and mark the criterion unresolved rather than choosing.

Gatehouse Bank 9 rules

StrideUp 8 rules

Offa 6 rules

Checked 6 August 2026. Criteria are re-read every 60 days. Every change and every correction we have made is dated in the change log

Common questions

Can I check my eligibility for an Islamic mortgage online?: You can check the published criteria, which is what this tool does. It tests your deposit tier, property location and type, residency, age, work status, EPC rating and finance amount against the eligibility rules that 3 UK providers publish, and shows which rule matches, which rules you out and which we could not resolve. What no tool can check is affordability, credit history and the property itself, because those are assessed by the provider on evidence you have not given anyone yet. Passing every published criterion is the start of an application, not the outcome of one.
What are the eligibility criteria for a halal mortgage in the UK?: They are close to conventional mortgage criteria, because the underwriting question is the same: can you afford it and is the property good security. The published entry conditions are a deposit of at least 5 to 20% depending on provider and property type, a property in a nation the provider lends in, a minimum and maximum amount of finance, a minimum age, and for some products a specific EPC rating. Residency and immigration status are separately published and are where applicants most often fall out.
Why does the checker say a criterion is unresolved rather than pass or fail?: Because the provider has not published enough for us to answer it, or has published two figures that disagree. An unresolved criterion is never counted as a pass. Treating silence as permission is how a tool tells someone they qualify for something that does not exist, so the third state is kept visible and counted separately in the summary.
Does this affect my credit score?: No. Nothing here is an application, no search is performed and no provider is contacted. The check runs entirely in your browser: what you type is not stored, not sent to us and not sent to anyone else. We do not currently pass enquiries to advisers or providers.
No provider matched my answers. Does that mean I cannot get an Islamic mortgage?: No. This checker covers the 3 mainstream providers whose criteria we hold in enough detail to test. Our register tracks 13 propositions in total, and several exist specifically for applicants living outside the UK or financing above the mainstream ceilings. A nil result means these providers' published criteria do not match what you entered, which is a narrower statement than the market having nothing for you. The commonest single cause is the deposit tier.
Is the checker the same as an agreement in principle?: No, and the difference matters. An agreement in principle is issued by a lender after it has assessed your income, outgoings and credit file, and it may involve a credit search. This tool compares your answers to published rules and issues nothing. Nobody has looked at your finances at the end of it, including us.