Islamic Mortgage Guide

Research note · · Reviewed

We checked 13 UK Islamic home finance propositions. Three are open to ordinary UK buyers.

Ask who offers Islamic mortgages in the UK and you will get a long list. Read each name's own published pages and the list collapses: residency scopes, minimum finance amounts, waiting lists and routes that cannot be verified remove most of it. This note publishes the collapse, name by name, as of 13 August 2026. It is a dated snapshot, and its counts were unchanged when we reviewed it on 9 October 2026. The provider lines below are read from the live register, so each carries the date that provider was last checked.

The answer

Of the 13 propositions on our register, 3 are regulated Home Purchase Plan providers an ordinary UK applicant can approach today: Gatehouse Bank, StrideUp and Offa. Of the rest, 4 are regulated but scoped to other customers, 2 are alternative arrangements that are not regulated Home Purchase Plans, 1 has no new-business route we could verify, and 3 have no verified UK retail proposition at all.

13 propositions, 3 open to an ordinary UK applicant

  • Open to ordinary UK applicants 3
  • Specialist or international 4
  • Not a home purchase plan 2
  • No current route verified 4
One tile per proposition in our register, grouped by who it serves. Only the 3 in the first group are compared like for like; the others are listed with the reason on the provider register.

The working, name by name

Open to ordinary UK applicants (3)

Regulated, but not for most readers (4)

The one most readers expect to see in the open list is Al Rayan. Its Premier route is published for Qatar, Saudi Arabia, Kuwait, Bahrain and Oman applicants, and its standard retail Home Purchase Plan sits below.

Alternative arrangements, not regulated Home Purchase Plans (2)

No route we could verify (4)

"No route we could verify" is a statement about our verification, not about the firm. If a provider in this group publishes a current UK retail route, we will move it and record the change in the change log.

What we could not verify

The register currently carries 21 open questions against these providers, each with the attempt we made recorded against it. The ones that most affect this count: StrideUp's consumer and intermediary channels state different figures for age, property value and maximum finance-to-value, among 6 StrideUp questions open in all, and Pfida's public availability is a waiting list whose intake we cannot observe, one of 2 Pfida questions open. Every question lands on the register, and any answer a provider gives us will be recorded there and in the change log.

What it means in practice

A like-for-like comparison of UK Islamic mortgages is a comparison of 3 providers, not 13. That is what the comparison prices, what the eligibility checker tests your situation against, and what the deposit optimiser walks tier by tier. The register's permanent state, including every scope and exclusion above, lives on the provider register and changes there first.

By the Islamic Mortgage Guide research team, using the published methodology. Published . Reviewed , as a dated snapshot whose counts still hold. Corrections land in the change log.