Sharia-Compliant Finance Tools

Calculate Your
Halal Mortgage

Estimate monthly payments for Ijara, Murabaha, and Diminishing Musharaka — without interest (riba).

Payment Calculator

Ijara (Lease-to-Own): The bank purchases the property and leases it to you. Each payment covers rent + gradual ownership transfer. No interest — only a profit rate.
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£0£500k
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5yr35yr
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Total Amount Payable —
Total Profit Paid —
Deposit (LTV) —

Ijara (Lease-to-Own)

The bank buys the property, then leases it to you. Ownership gradually transfers with each payment. Pure rental income — no compound interest involved.

Murabaha (Cost-Plus)

The bank purchases the property and sells it to you at an agreed markup. You pay in instalments. The profit margin is fixed upfront — fully transparent.

Diminishing Musharaka

You and the bank co-own the property. You gradually buy the bank's share over time. As your ownership grows, your rental portion decreases — fair and equitable.

Learn

Islamic Finance Guides

Everything you need to know about halal mortgages — explained clearly.

Beginner's Guide

What is a Halal Mortgage? Complete Guide 2025

Everything you need to know about Sharia-compliant home finance — how it works and who it's for.

Read guide →

Comparison Guide

Ijara vs Murabaha vs Musharaka: Which is Right for You?

A detailed breakdown of the three main halal mortgage structures with pros, cons and comparisons.

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🇬🇧 United Kingdom

Best Halal Mortgage Providers in the UK — 2025

Al Rayan, Gatehouse, Ahli United and more — every major UK Islamic mortgage provider reviewed.

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First Time Buyers

Halal Mortgage for First Time Buyers — Complete Guide 2025

Deposits, government schemes, step-by-step process and top tips for buying your first home the halal way.

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🇺🇸 United States

Best Halal Mortgage Providers in the USA — 2025

Guidance Residential, UIF, Ameen Housing and more — the complete guide for American Muslim buyers.

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