Islamic Mortgage Guide

Islamic mortgage guides

10 guides, one per question, each built the same way: what providers publish, checked against the source and dated, with what we could not verify said plainly. Start with the question that is actually yours; every guide links onward to the tools that test your own figures.

Published .

Am I eligible?

The criteria providers publish, who they rule out, and where their own documents disagree.

First-time buyers Deposits start at 5% with conditions attached; what the published entry criteria are and what stops applications. Deposits, tier by tier Every published deposit tier, what crossing one costs, and where current products reprice sharply at the 80% boundary. Self-employed applicants How many years of accounts each provider asks for, and the criteria published thinly or not at all. On a visa, or not yet settled Published visa and residency criteria, including the disagreements between providers’ own channels. Remortgaging Who accepts refinance, the ceilings that apply, and what switching actually costs to do.

Costs and comparisons

What the difference costs, measured against named benchmarks, and how the two structures compare.

Are Islamic mortgages more expensive? We measured the gap against the Bank of England’s quoted-rate series, at the tiers where a like-for-like comparison exists. Islamic vs conventional The structural comparison: who owns the property, what the payment is, and which protections attach to each.

How it all works

The structures, the regulation, and the certification evidence.

How Islamic mortgages work The monthly payment, the fees, what happens after the initial period, and who can apply, step by step. What a Home Purchase Plan is The regulated structure behind most UK products: the rules, the variants, and the costs. Are Islamic mortgages halal? What the certifiers actually say: who certified each UK product, under which standard, and where scholars differ.

When the guides run out

Every guide ends where published information ends. From there: check the published criteria against your answers, price the products your figures reach, or see what we could not verify, or ask the question the published data could not answer.