Dear Sheikh Dr. Sajid Umar,
اَلسَّلاَ مُ عَلَيْكُمْ وَرَحْمَةُ اللهِ وَبَرَكَا تُهُ
I hope this message finds you well. I am seeking guidance regarding halal mortgages available in the UK, as I wish to ensure that any home financing I pursue is fully compliant with Islamic principles and avoids riba.
Could you kindly advise on which companies or financial institutions you consider trustworthy and in accordance with Shariah for halal home financing? Any guidance or recommendations you can provide would be greatly appreciated.
JazakAllahu Khair for your time and assistance.
Summary
Guidance on halal home financing in the UK, explaining why Islamic mortgage products require ongoing review and advising consultation with Islamic Finance Advisory for up-to-date Shariah-compliant guidance.
Answer
باسم الله، والحمد لله والصلاة والسلام على رسول الله
Wa ʿalaykum as-salām wa raḥmatullāhi wa barakātuh. May Allah bless you and grant you halal provision.
Halal home financing products and their structures change frequently in the UK, including changes to contracts, fee models, ownership arrangements, and Sharīʿah governance.
Because of this, it would not be responsible to give a blanket endorsement in a written Q&A without reviewing the most current product documentation and the exact terms you would be signing.
For that reason, the best step is to book an appointment with Islamic Finance Advisory so they can review the latest terms and give you up-to-date guidance based on your circumstances. You can arrange an appointment by visiting www.ifadvisory.org.
That said, some options that can be explored (subject to review of their current contracts and structures) include:
- PFIDA
- Your Home from Heylo Housing
- Wayhome
These should not be treated as automatic approvals but as starting points for a proper Sharīʿah review, because compliance depends on the current contract wording, the transaction structure, and how the product is implemented in practice.
May Allah make it easy for you, place barakah in your home, and keep you far from ribā.