Current UK Islamic mortgage rates
Published Sharia-compliant home finance rates from the providers we track, with the product, deposit tier, customer type, fee, effective date and the date we last checked it. We hold 74 priced products from 4 providers, checked on .
Islamic mortgage rates and halal mortgage rates mean the same thing here. Each ranked table holds one customer type, one rate type, one finance-to-value tier and one fixed period; specialist structures such as commodity murabaha are listed separately and never ranked against the Home Purchase Plans. The conditions on each row decide whether a product is available to you.
The market we track
- Priced products
- 74
- Providers with a verified rate
- 4
- Across every segment, including specialist and international
- Mainstream providers open to UK residents
- 3
- The core comparison universe. 2 have a verified product-specific rate and enter the ranked tables above
- Rates we could not verify
- 1 provider
- Listed with their products and no rate, rather than silently dropped
- Registered sources across this site
- 64
- 10 of them are the provider documents behind the rate rows here
- Last market check
The market in three charts
Three views of the rows in the tables below, drawn from the same records at build time, so a chart here cannot disagree with a table there. Mainstream providers open to UK residents, checked . Every figure is repeated in text under its chart.
The deposit ladder: lowest fixed rate at each tier
Figures behind this chart
| Deposit | Period | Lowest | Product | Condition | Lowest without a condition |
|---|---|---|---|---|---|
| 35% deposit | 2-year fixed | 5.58% | Gatehouse Bank Green Fixed 2yr GHFU1746 | EPC A or B required | 5.68% (Gatehouse Bank Fixed 2yr HFU1750) |
| 35% deposit | 5-year fixed | 5.53% | Gatehouse Bank Green Fixed 5yr GHFU1748 | EPC A or B required | 5.63% (Gatehouse Bank Fixed 5yr HFU1752) |
| 20% deposit | 2-year fixed | 5.58% | Gatehouse Bank Green Fixed 2yr GHFU1747 | EPC A or B required | 5.68% (Gatehouse Bank Fixed 2yr HFU1751) |
| 20% deposit | 5-year fixed | 5.66% | Gatehouse Bank Green Fixed 5yr GHFU1749 | EPC A or B required | 5.76% (Gatehouse Bank Fixed 5yr HFU1753) |
| 10% deposit | 2-year fixed | 6.38% | Gatehouse Bank Green Fixed 2yr GHFU1738 | EPC A or B required | 6.48% (Gatehouse Bank Fixed 2yr HFU1742) |
| 10% deposit | 5-year fixed | 6.36% | Gatehouse Bank Green Fixed 5yr GHFU1740 | EPC A or B required | 6.46% (Gatehouse Bank Fixed 5yr HFU1744) |
| 5% deposit | 2-year fixed | 6.68% | Gatehouse Bank Green Fixed 2yr GHFU1739 | EPC A or B required; purchase only | 7.45% (Offa Fixed 2yr 95%) |
| 5% deposit | 5-year fixed | 6.66% | Gatehouse Bank Green Fixed 5yr GHFU1741 | EPC A or B required; purchase only | 7.55% (Offa Fixed 5yr 95%) |
Where every priced UK-resident product sits
Figures behind this chart
| Provider | Priced products | Lowest | Highest |
|---|---|---|---|
| Gatehouse Bank | 24 | 5.53% | 6.78% |
| Offa | 10 | 6.44% | 7.55% |
| StrideUp | 0 (2 more without a published rate) | Not published | Not published |
Every 2-year fixed product, by deposit and product fee
Figures behind this chart
| Deposit | Provider | Product | Rate | Product fee |
|---|---|---|---|---|
| 35% deposit | Gatehouse Bank | Green Fixed 2yr GHFU1746 (EPC A or B required) | 5.58% | £499 |
| 35% deposit | Gatehouse Bank | Fixed 2yr HFU1750 | 5.68% | £499 |
| 35% deposit | Gatehouse Bank | Green Fixed 2yr GHRU1770 (EPC A or B required; refinance only) | 5.68% | £0 |
| 35% deposit | Gatehouse Bank | Fixed 2yr HRU1774 (refinance only) | 5.68% | £0 |
| 35% deposit | Offa | Fixed 2yr 65% | 6.59% | £499 |
| 20% deposit | Gatehouse Bank | Green Fixed 2yr GHFU1747 (EPC A or B required) | 5.58% | £499 |
| 20% deposit | Gatehouse Bank | Fixed 2yr HFU1751 | 5.68% | £499 |
| 20% deposit | Gatehouse Bank | Green Fixed 2yr GHRU1771 (EPC A or B required; refinance only) | 5.68% | £0 |
| 20% deposit | Gatehouse Bank | Fixed 2yr HRU1775 (refinance only) | 5.68% | £0 |
| 20% deposit | Offa | Fixed 2yr 80% | 6.65% | £499 |
| 10% deposit | Gatehouse Bank | Green Fixed 2yr GHFU1738 (EPC A or B required) | 6.38% | £999 |
| 10% deposit | Gatehouse Bank | Fixed 2yr HFU1742 | 6.48% | £999 |
| 10% deposit | Offa | Fixed 2yr 90% | 7.35% | £999 |
| 5% deposit | Gatehouse Bank | Green Fixed 2yr GHFU1739 (EPC A or B required; purchase only) | 6.68% | £999 |
| 5% deposit | Gatehouse Bank | Fixed 2yr HFU1743 (purchase only) | 6.78% | £999 |
| 5% deposit | Offa | Fixed 2yr 95% | 7.45% | £999 |
UK resident, two-year fixed
The most directly comparable set on the page: one customer type, one rate type, one period. Within each deposit tier the lowest rate is a true statement.
5% deposit up to 95% finance-to-value · 3 products
The lowest rate in this band is conditional: EPC A or B required · purchase only. Which products remain open to you depends on which of those you meet, so every row below carries its own conditions rather than one blanket alternative.
| Provider | Rate | Product | Product fee | Card effective |
|---|---|---|---|---|
| Gatehouse Bank LOWEST IN THIS BAND | 6.68% | Green Fixed 2yr GHFU1739 EPC A or B required · purchase only finance £75k to £600k | £999 plus £149 application | Checked 9 October 2026 Provider source |
| Gatehouse Bank | 6.78% | Fixed 2yr HFU1743 purchase only finance £75k to £600k | £999 plus £149 application | Checked 9 October 2026 Provider source |
| Offa | 7.45% | Fixed 2yr 95% finance £60k to £750k | £999 plus £149 application | Checked 9 October 2026 Provider source |
10% deposit up to 90% finance-to-value · 3 products
The lowest rate in this band is conditional: EPC A or B required. If that does not describe you, the next-lowest published row here is 6.48% (Gatehouse Bank Fixed 2yr HFU1742), subject to its own finance limits and criteria.
| Provider | Rate | Product | Product fee | Card effective |
|---|---|---|---|---|
| Gatehouse Bank LOWEST IN THIS BAND | 6.38% | Green Fixed 2yr GHFU1738 EPC A or B required finance £75k to £750k | £999 plus £149 application | Checked 9 October 2026 Provider source |
| Gatehouse Bank | 6.48% | Fixed 2yr HFU1742 finance £75k to £750k | £999 plus £149 application | Checked 9 October 2026 Provider source |
| Offa | 7.35% | Fixed 2yr 90% finance £60k to £750k | £999 plus £149 application | Checked 9 October 2026 Provider source |
20% deposit up to 80% finance-to-value · 5 products
The lowest rate in this band is conditional: EPC A or B required. If that does not describe you, the next-lowest published row here is 5.68% (Gatehouse Bank Fixed 2yr HFU1751), subject to its own finance limits and criteria.
| Provider | Rate | Product | Product fee | Card effective |
|---|---|---|---|---|
| Gatehouse Bank LOWEST IN THIS BAND | 5.58% | Green Fixed 2yr GHFU1747 EPC A or B required finance £75k to £5m | £499 plus £149 application | Checked 9 October 2026 Provider source |
| Gatehouse Bank | 5.68% | Fixed 2yr HFU1751 finance £75k to £5m | £499 plus £149 application | Checked 9 October 2026 Provider source |
| Gatehouse Bank | 5.68% | Green Fixed 2yr GHRU1771 EPC A or B required · refinance only finance £75k to £5m | £0 plus £0 application | Checked 9 October 2026 Provider source |
| Gatehouse Bank | 5.68% | Fixed 2yr HRU1775 refinance only finance £75k to £5m | £0 plus £0 application | Checked 9 October 2026 Provider source |
| Offa | 6.65% | Fixed 2yr 80% finance £60k to £1.5m | £499 plus £149 application | Checked 9 October 2026 Provider source |
35% deposit up to 65% finance-to-value · 5 products
The lowest rate in this band is conditional: EPC A or B required. If that does not describe you, the next-lowest published row here is 5.68% (Gatehouse Bank Fixed 2yr HFU1750), subject to its own finance limits and criteria.
| Provider | Rate | Product | Product fee | Card effective |
|---|---|---|---|---|
| Gatehouse Bank LOWEST IN THIS BAND | 5.58% | Green Fixed 2yr GHFU1746 EPC A or B required finance £75k to £5m | £499 plus £149 application | Checked 9 October 2026 Provider source |
| Gatehouse Bank | 5.68% | Fixed 2yr HFU1750 finance £75k to £5m | £499 plus £149 application | Checked 9 October 2026 Provider source |
| Gatehouse Bank | 5.68% | Green Fixed 2yr GHRU1770 EPC A or B required · refinance only finance £75k to £5m | £0 plus £0 application | Checked 9 October 2026 Provider source |
| Gatehouse Bank | 5.68% | Fixed 2yr HRU1774 refinance only finance £75k to £5m | £0 plus £0 application | Checked 9 October 2026 Provider source |
| Offa | 6.59% | Fixed 2yr 65% finance £60k to £1.5m | £499 plus £149 application | Checked 9 October 2026 Provider source |
UK resident, five-year fixed
A longer fix is a different commitment, so these are never ranked against the two-year products above.
5% deposit up to 95% finance-to-value · 3 products
The lowest rate in this band is conditional: EPC A or B required · purchase only. Which products remain open to you depends on which of those you meet, so every row below carries its own conditions rather than one blanket alternative.
| Provider | Rate | Product | Product fee | Card effective |
|---|---|---|---|---|
| Gatehouse Bank LOWEST IN THIS BAND | 6.66% | Green Fixed 5yr GHFU1741 EPC A or B required · purchase only finance £75k to £600k | £999 plus £149 application | Checked 9 October 2026 Provider source |
| Gatehouse Bank | 6.76% | Fixed 5yr HFU1745 purchase only finance £75k to £600k | £999 plus £149 application | Checked 9 October 2026 Provider source |
| Offa | 7.55% | Fixed 5yr 95% finance £60k to £750k | £999 plus £149 application | Checked 9 October 2026 Provider source |
10% deposit up to 90% finance-to-value · 3 products
The lowest rate in this band is conditional: EPC A or B required. If that does not describe you, the next-lowest published row here is 6.46% (Gatehouse Bank Fixed 5yr HFU1744), subject to its own finance limits and criteria.
| Provider | Rate | Product | Product fee | Card effective |
|---|---|---|---|---|
| Gatehouse Bank LOWEST IN THIS BAND | 6.36% | Green Fixed 5yr GHFU1740 EPC A or B required finance £75k to £750k | £999 plus £149 application | Checked 9 October 2026 Provider source |
| Gatehouse Bank | 6.46% | Fixed 5yr HFU1744 finance £75k to £750k | £999 plus £149 application | Checked 9 October 2026 Provider source |
| Offa | 7.45% | Fixed 5yr 90% finance £60k to £750k | £999 plus £149 application | Checked 9 October 2026 Provider source |
20% deposit up to 80% finance-to-value · 5 products
The lowest rate in this band is conditional: EPC A or B required. If that does not describe you, the next-lowest published row here is 5.76% (Gatehouse Bank Fixed 5yr HFU1753), subject to its own finance limits and criteria.
| Provider | Rate | Product | Product fee | Card effective |
|---|---|---|---|---|
| Gatehouse Bank LOWEST IN THIS BAND | 5.66% | Green Fixed 5yr GHFU1749 EPC A or B required finance £75k to £5m | £499 plus £149 application | Checked 9 October 2026 Provider source |
| Gatehouse Bank | 5.76% | Fixed 5yr HFU1753 finance £75k to £5m | £499 plus £149 application | Checked 9 October 2026 Provider source |
| Gatehouse Bank | 5.76% | Green Fixed 5yr GHRU1773 EPC A or B required · refinance only finance £75k to £5m | £0 plus £0 application | Checked 9 October 2026 Provider source |
| Gatehouse Bank | 5.76% | Fixed 5yr HRU1777 refinance only finance £75k to £5m | £0 plus £0 application | Checked 9 October 2026 Provider source |
| Offa | 6.75% | Fixed 5yr 80% finance £60k to £1.5m | £499 plus £149 application | Checked 9 October 2026 Provider source |
35% deposit up to 65% finance-to-value · 5 products
The lowest rate in this band is conditional: EPC A or B required. If that does not describe you, the next-lowest published row here is 5.63% (Gatehouse Bank Fixed 5yr HFU1752), subject to its own finance limits and criteria.
| Provider | Rate | Product | Product fee | Card effective |
|---|---|---|---|---|
| Gatehouse Bank LOWEST IN THIS BAND | 5.53% | Green Fixed 5yr GHFU1748 EPC A or B required finance £75k to £5m | £499 plus £149 application | Checked 9 October 2026 Provider source |
| Gatehouse Bank | 5.63% | Fixed 5yr HFU1752 finance £75k to £5m | £499 plus £149 application | Checked 9 October 2026 Provider source |
| Gatehouse Bank | 5.63% | Green Fixed 5yr GHRU1772 EPC A or B required · refinance only finance £75k to £5m | £0 plus £0 application | Checked 9 October 2026 Provider source |
| Gatehouse Bank | 5.63% | Fixed 5yr HRU1776 refinance only finance £75k to £5m | £0 plus £0 application | Checked 9 October 2026 Provider source |
| Offa | 6.65% | Fixed 5yr 65% finance £60k to £1.5m | £499 plus £149 application | Checked 9 October 2026 Provider source |
UK resident, discounted variable
A variable rate can move at any time. The figure is what the provider published when we last checked it, not a promise about what you will pay for a year.
20% deposit up to 80% finance-to-value · 1 product
| Provider | Rate | Product | Product fee | Card effective |
|---|---|---|---|---|
| Offa | 6.55% | Discounted Variable 80% finance £60k to £1.5m | £499 plus £149 application | Checked 9 October 2026 Provider source |
35% deposit up to 65% finance-to-value · 1 product
| Provider | Rate | Product | Product fee | Card effective |
|---|---|---|---|---|
| Offa | 6.44% | Discounted Variable 65% finance £60k to £1.5m | £499 plus £149 application | Checked 9 October 2026 Provider source |
British expat, two-year fixed
Expat pricing is separate because it is not available to a UK resident, and a UK-resident rate is not available to an expat.
20% deposit up to 80% finance-to-value · 3 products
The lowest rate in this band is conditional: EPC A or B required. If that does not describe you, the next-lowest published row here is 6.94% (Gatehouse Bank Fixed 2yr HFE1703), subject to its own finance limits and criteria.
| Provider | Rate | Product | Product fee | Card effective |
|---|---|---|---|---|
| Gatehouse Bank LOWEST IN THIS BAND | 6.84% | Green Fixed 2yr GHFE1699 EPC A or B required finance £75k to £5m | £699 plus £199 application | Checked 9 October 2026 Provider source |
| Gatehouse Bank | 6.94% | Fixed 2yr HFE1703 finance £75k to £5m | £699 plus £199 application | Checked 9 October 2026 Provider source |
| Offa | 7.19% | Fixed 2yr 80% Expat finance £60k to £1.5m | £499 plus £149 application | Checked 9 October 2026 Provider source |
35% deposit up to 65% finance-to-value · 3 products
The lowest rate in this band is conditional: EPC A or B required. If that does not describe you, the next-lowest published row here is 6.74% (Gatehouse Bank Fixed 2yr HFE1702), subject to its own finance limits and criteria.
| Provider | Rate | Product | Product fee | Card effective |
|---|---|---|---|---|
| Gatehouse Bank LOWEST IN THIS BAND | 6.64% | Green Fixed 2yr GHFE1698 EPC A or B required finance £75k to £5m | £699 plus £199 application | Checked 9 October 2026 Provider source |
| Gatehouse Bank | 6.74% | Fixed 2yr HFE1702 finance £75k to £5m | £699 plus £199 application | Checked 9 October 2026 Provider source |
| Offa | 6.99% | Fixed 2yr 65% Expat finance £60k to £1.5m | £499 plus £149 application | Checked 9 October 2026 Provider source |
International resident, two-year fixed
Listed for completeness. Never compared against the UK-resident tables.
20% deposit up to 80% finance-to-value · 2 products
The lowest rate in this band is conditional: EPC A or B required. If that does not describe you, the next-lowest published row here is 7.14% (Gatehouse Bank Fixed 2yr HFN1711), subject to its own finance limits and criteria.
| Provider | Rate | Product | Product fee | Card effective |
|---|---|---|---|---|
| Gatehouse Bank LOWEST IN THIS BAND | 7.04% | Green Fixed 2yr GHFN1707 EPC A or B required finance £75k to £5m | 1% min £999 plus £299 application | Checked 9 October 2026 Provider source |
| Gatehouse Bank | 7.14% | Fixed 2yr HFN1711 finance £75k to £5m | 1% min £999 plus £299 application | Checked 9 October 2026 Provider source |
35% deposit up to 65% finance-to-value · 2 products
The lowest rate in this band is conditional: EPC A or B required. If that does not describe you, the next-lowest published row here is 6.94% (Gatehouse Bank Fixed 2yr HFN1710), subject to its own finance limits and criteria.
| Provider | Rate | Product | Product fee | Card effective |
|---|---|---|---|---|
| Gatehouse Bank LOWEST IN THIS BAND | 6.84% | Green Fixed 2yr GHFN1706 EPC A or B required finance £75k to £5m | 1% min £999 plus £299 application | Checked 9 October 2026 Provider source |
| Gatehouse Bank | 6.94% | Fixed 2yr HFN1710 finance £75k to £5m | 1% min £999 plus £299 application | Checked 9 October 2026 Provider source |
Specialist and international propositions
Listed with the reason rather than ranked. Nomo lends to GCC residents, not UK residents, and QIB (UK) is private banking. Kuwait Finance House serves UK residents but starts at £250,000 of finance, caps finance-to-value at 70% and restricts the property to named regions, so ranking it beside a 95% product open from £60,000 would compare things a reader cannot swap.
| Provider | Lowest recorded | Products held | Who it is for |
|---|---|---|---|
| Kuwait Finance House PLC | 5.50% finance from £250k | 12 | UK and non-UK residents |
| Al Rayan Bank Premier Home Finance | Not published | 0 | Qatar, Saudi Arabia, Kuwait, Bahrain and Oman applicants |
| Nomo by BLME | 5.69% refinance onlyfinance £750k to £5m | 6 | Residents of Bahrain, KSA, Kuwait, Qatar, UAE and Oman; not UK residents |
| QIB (UK) plc | Not published | 0 | Private-banking/HNW clients |
What a headline rate misses
Deposit tier, customer type, finance amount and product conditions decide which rates you can reach. Fees decide which of those is actually the cheapest.
- Your deposit tier
- The same provider prices each tier separately, so the tier your deposit reaches decides which of its rates you can have.
- Your customer type
- UK resident, British expat and international ranges are priced differently and are not interchangeable.
- Your finance amount
- Every product has a minimum and a maximum, and they differ between providers: at our last check one mainstream provider started at £75,000 and another at £60,000. A smaller amount of finance can rule out the cheapest row on its own.
- Conditions on the product
- An energy rating, a new build, or buying rather than refinancing. Every row above carries its own.
- The fees, once you have the shortlist
- A flat fee weighs more heavily on a smaller amount of finance, so among the products you can actually have, a lower rate can still be the dearer deal. Work out which is cheaper on your figures
What has changed
We began tracking these rates on . Every re-check records the previous figure alongside the new one, so this section builds into a record of which products moved and when.
Rate movements recorded
7 earlier movements
Our own 90 corrections are errors, not market movement, so they are kept out of this list and written up in full on the change log.
How we track rates
We read each provider's own rate card and product pages and record every product separately with its conditions. The effective date shows how long a price has held; the checked date shows when we last saw it live. An older effective date does not make a figure stale.
- Review interval
- Rates 14 days, criteria 60 days.
- What we exclude
- Any figure we cannot attribute to a specific product, including advertised "rates from" claims.
- What we publish anyway
- Products whose rate we could not verify, stated as unverified rather than omitted.
Read the full methodology · See every provider with its criteria and evidence
Common questions about Islamic mortgage rates
- What is the current Islamic mortgage rate in the UK?
- There is no single rate. The lowest published initial rate we hold for a UK resident on a two-year fixed home purchase plan at up to 80% finance-to-value is 5.58% from Gatehouse Bank (Green Fixed 2yr GHFU1747), with £499 product fee plus £149 application fee, checked on 9 October 2026. That product is conditional: EPC A or B required. A property that does not meet it faces 5.68% as the lowest in the same band. Change the deposit tier, the fixed period or the customer type and a different product is cheapest.
- Are halal mortgage rates and Islamic mortgage rates different?
- No. They are two names for the same thing. Most UK providers open to residents offer Home Purchase Plans, where the published figure is a rent or profit rate rather than interest on a loan. Specialist propositions using commodity murabaha are listed separately rather than ranked against the plans.
- Why do you not show one lowest Islamic mortgage rate?
- Because the claim would usually be false. A rate is only the lowest within one customer type, rate type, fixed period and finance-to-value tier, so one figure for the whole market describes a single narrow case that most readers cannot have.
- Why can I not get the lowest Islamic mortgage rate shown?
- Because the cheapest product in a band often carries a condition. The lowest UK-resident two-year fixed rates we hold are green products requiring an EPC rating of A or B, and at the 95% tier the cheapest products are purchase-only. Each band prints its condition and the next option.
- Is a lower rate always the cheaper Islamic mortgage?
- No. A product fee is a fixed sum, so it weighs more on a smaller amount of finance. A lower rate with a higher fee can cost more over a two-year fixed period than a higher rate with no fee. Work it out on your own figures.
- How often are these Islamic mortgage rates updated?
- We aim to re-check rates every 14 days and criteria every 60. This record was last checked in full on 9 October 2026. A rate card effective months ago that is still live is current, so the effective date and the checked date are shown separately.
- Why is one provider missing a rate?
- One provider publishes rates in a form we have not been able to capture reliably, so its products appear without a figure instead of with a wrong one. An advertised "rates from" claim is never entered into a table.
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.
Every published rate and its conditions are above. Which of them you would actually be offered is decided in underwriting, which nobody publishes.