Property & mortgage details
Quick presets — real 2025 UK rates
Side-by-side results
Islamic HPP Halal ✓
Monthly payment
—
rent + acquisition (no riba)
Total paid over full term
—
Bank's profit margin (not interest)
—
earned through rental, not riba
Deposit required
—
Conventional Interest ✗
Monthly payment
—
principal + interest (riba)
Total paid over full term
—
Total interest (riba) paid
—
not permissible in Islam
Deposit required
—
can be 5% with some lenders
Monthly payment breakdown — year 1 (what you're actually paying)
Islamic HPP
Conventional
Acquisition (builds your ownership)
Rent on bank's share
Principal repayment
Interest (riba)
Remaining balance over time
How quickly you pay off the property — year by year
Islamic HPP balance
Conventional balance
Cumulative extra cost of going halal
Running total of additional cost (or saving) of the Islamic HPP vs conventional
Halal costs more
Halal costs less
UK Islamic mortgage providers (2025)
Gatehouse Bank
Most established
From 5% deposit. Up to 80% LTV. England & Wales. FCA-regulated. Competitive pricing.
StrideUp
Good for first-time buyers
From 10% deposit. Gifted deposits accepted. Up to 6.5× income. Complex incomes considered.
Offa
New · FCA 2025
New Islamic fintech. Fast specialist decisions. Shariah-compliant residential finance.
Wayhome / Pfida
Alternative models
Shared ownership & community-driven. Pfida has waiting lists. Wayhome flexible & interest-free.