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### Discover halal home finance with StrideUp.

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# Looking for a halal mortgage?

Many scholars do not view conventional mortgages as shariah-compliant because they are based on interest, or riba, and structured as debt contracts.
While many people search for a “halal mortgage” or “Islamic mortgage,” what StrideUp offers is a certified shariah-compliant alternative that avoids riba entirely. It is built on fairness and equity, so your journey to home ownership never compromises your values.

Start your application

## Meet StrideUp’s halal Home Purchase Plan

StrideUp’s Home Purchase Plan (HPP) is our shariah-certified alternative to a mortgage. Instead of lending with interest, we buy the home with you. You pay fair rent on the share you do not yet own, and gradually increase your ownership until the home is fully yours.
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Certified by

### Mufti Faraz Adam

CEO
Amanah Advisors
“Amanah Advisors are delighted to provide shariah governance and shariah advisory support to StrideUp who have brought something unique to the Islamic home financing market in the UK.
Amanah Advisors oversees the shariah-compliance of the product and undertakes shariah audit to ensure that the shariah controls are adhered to and that there is sound shariah quality assurance.”

## Equity. Not interest.
How does StrideUp HPP work?

StrideUp’s Home Purchase Plan is built on two Islamic finance principles: diminishing musharakah (partnership) and ijara (lease). Together, they create a halal way to buy your home without interest or debt-based lending.

What’s diminishing musharakah?

A co-ownership model where you and a provider buy a property together, and you gradually purchase their share over time.

StrideUp uses this model to help you buy your home. For more detail, read our guide on diminishing musharakah.

What’s ijarah?

Instead of charging interest, the finance provider charges rent on the share of the home you have not yet bought.

StrideUp’s monthly payments follow this model. Read our guide on Ijarah.

## Finance that’s rooted in partnership.

Our Home Purchase Plan is built on fairness. Instead of lending with interest, we purchase the property with you and give you the flexibility to increase your share at your own pace.

### Your home. Your way.

From day one, you and StrideUp co-own your property. Your deposit will establish your initial equity in the property. Each month you’ll make one fixed payment that will both grow your share and cover rent for StrideUp’s portion of the home.*
Over time, your ownership increases while StrideUp’s share reduces, until the home is fully yours. It is a transparent, step-by-step partnership designed to keep your journey halal and fair.

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*Your journey to full ownership depends on keeping up with monthly payments and meeting affordability requirements. As with any financial agreement, your home may be at risk if you do not keep up with payments.

## How you can move from deposit to full ownership with us.

Buying a home can feel overwhelming. We keep the process simple, clear and built around you.

You bring a deposit

A minimum 10% deposit* could get you started as your equity in the home. From day one, you already own part of your property.

    *Subject to status and criteria.

We buy the home with you

We buy the remaining share of the home, creating an ownership structure that removes interest and aligns with shariah principles.

You pay rent on our share

Each month you pay fair rent on the portion you do not yet own.

Your share grows over time

With every payment, your share increases. You can add more within the terms of your plan until the home is fully yours.

Ready to get started?
Start your journey

## Halal home finance.
With real benefits to you.

Buying a home comes with lots of questions. We created these tools to offer guidance and estimates to help you plan each stage with confidence.

Rooted in faith

From structure to certification to service, every part of our process is designed to stay true to Islamic principles and values.

Built around you

Buying a home is rarely straightforward. Whether you’re applying with family, combining incomes across up to four applicants, or working for yourself as a contractor, our approach is designed to fit the way people really live today.

Quick decisions

Most people receive their Decision in Principle the same working day. On average, full applications move to offer in just over two weeks, though this depends on your circumstances and how quickly documents and third-party checks are completed.

No waiting list

We’re ready when you are. With no waiting list, you can move ahead as soon as your application is approved and your property is ready.

## More highlights
At a glance

Shariah certified
Up to 90% finance-to-value
Up to 4 applicants
Multiple income types
Self-employed welcome
Zero-hours contracts
Wide range of properties
Inclusive approach
Flexible for contractors
FCA regulated

## Explore StrideUp’s home finance rates

We believe managing your finances should be clear and transparent. Enter your property and finance details to explore today’s Home Purchase Plan rates.
What’s the property value?
£
How much is your deposit?
£
Select a fixed term
2 years
5 years
Term length
30 yrs
10 yrs
40 yrs
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Term length | Initial rate | Product fee | Estimated payment
--- | --- | --- | ---
2 years fixed | 0% | £1,249 | £ 0 monthly for first 24 months
5 years fixed | 0% | £1,249 | £ 0 monthly for first 60 months

2 years fixed breakdown
Your estimated monthly payments could be £1,219.32 for the first 24 months. Our variable rate of X.XX% for the remaining XX years would require XXX monthly payments of £X,XXX.XX. The total amount payable over XX years would be £XXX,XXX.XX, which includes both the finance amount and rent, excluding any other fees or charges.
5 years fixed breakdown
Your estimated monthly payments could be £1,219.32 for the first 24 months. Our variable rate of X.XX% for the remaining XX years would require XXX monthly payments of £X,XXX.XX. The total amount payable over XX years would be £XXX,XXX.XX, which includes both the finance amount and rent, excluding any other fees or charges.
Subject to status and criteria.
Your rate
–
Monthly payments
–
Representative example
Your rental rate isn’t interest – it’s the cost of using StrideUp’s share of your home.
Compare fixed terms

### Your initial rate is 0%

Your estimated monthly payments could be £1,219.32 for the first 24 months. Our variable rate of X.XX% for the remaining XX years would require XXX monthly payments of £X,XXX.XX. The total amount payable over XX years would be £XXX,XXX.XX, which includes both the finance amount and rent, excluding any other fees or charges. Subject to status and criteria.
Compare fixed terms
One-off product fee
£1,249
Finance-to-value
83.3%
Deposit
Financing
This shows how your deposit and finance could work together to cover your home’s value, as long as you meet our financing criteria.
Let’s take another look at your options
Based on the details provided, you don’t currently meet the criteria for this product. Adjust your details to try again, or speak to our team to explore what other options might work for you.
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Eligibility criteria
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##### Important information

This is a representative example to help guide you. The rate and finance amount you receive will depend on a full review of your circumstances, including affordability, credit history and property details. Rates and terms are subject to change or withdrawal without notice.

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## How StrideUp stays true to Islamic values.

Halal home finance is about more than avoiding interest. Every part of StrideUp’s Home Purchase Plan is designed with shariah principles at its core, so your journey is always aligned to your faith.
No riba (interest)
No interest-based lending or repayments.
Asset-backed
Your plan is tied to a real and physical property, rather than abstract money trading.
No gharar (uncertainty)
Terms are clear, with no ambiguity or hidden conditions.
No combined contracts
Each agreement (sale, lease, etc.) is separated and independently valid.
Ethical use only
Funds and properties must support halal purposes.
Shariah review
Our products are regularly reviewed and certified by qualified scholars.

### Already a homeowner?

Explore refinancing options with StrideUp to unlock fair and flexible home finance that works for you. Whether you’re looking to reduce your payments or move to a halal alternative, we’ll help you with confidence.
Explore refinancing

## People also ask…

Here’re some of the most common questions we’re asked about our Home Purchase Plan and Islamic perspectives on home finance.

### How is StrideUp’s HPP different from a mortgage?

Mortgages are credit agreements built on interest. StrideUp’s halal Home Purchase Plan (HPP) is equity-based, meaning your money is tied to real property ownership, not just a loan balance.

There are several alternatives to traditional mortgages available in the UK, and StrideUp’s HPP is one of them, built around Islamic finance principles rather than interest.

### Is the rental rate just interest in disguise?

No. In a mortgage contract, interest is charged on the money that you borrow. In StrideUp’s HPP product, our rental rate is the cost of using the share of the property you do not yet own. It is a transparent rent for real use of the property, not a charge on money lent.

### Who certifies that StrideUp’s HPP is halal?

Our product is certified by qualified scholars from Amanah Advisors, led by Mufti Faraz Adam. They also conduct regular audits to ensure ongoing compliance.

### Can I apply with family members or friends?

Yes. Up to four applicants can apply together, combining incomes to help you access the right home for your needs.

### How long does it take to get approved?

Most people receive their Decision in Principle the same working day. Full applications typically move to offer in just over two weeks, although timescales depend on your circumstances and third-party checks.

### Is it haram to buy a house on interest?

Buying a house with interest in Islam is prohibited, as interest (riba) is explicitly forbidden in Islamic teachings. This applies regardless of the purpose of the finance, including homeownership. Many people ask, “is interest haram when buying a house” or “is buying a house with interest haram”, and the truth is, the majority view among scholars is that riba is not permitted, even when buying a family home. That’s why many Muslims look for alternatives that allow them to own a home without compromising their beliefs.

### Can Muslims borrow money?

Borrowing money in Islam is allowed, and Muslim borrowing money is not forbidden in itself. What matters is how the money is borrowed. Islam prohibits borrowing arrangements that involve riba (interest) or unjust exploitation.
Interest-free loans (qard-ul-hasan), profit-sharing arrangements, or partnership-based structures are all permissible ways of financing, as they are built on fairness, transparency and shared responsibility.

### What is the Islamic view on mortgages?

The Islamic view on mortgages is shaped by the prohibition of riba (interest / usury). Traditional mortgages according to many scholars are generally not considered permissible because they are based on interest-bearing loans.
Under the Islamic ruling on home finance structures, finance should be asset-backed, transparent and free from interest. This is why Islamic home finance models use alternatives such as joint-ownership / co-ownership or leasing arrangements, rather than lending money with interest.

### Why is it permissible in Islamic finance to use the Bank of England Base Rate as a benchmark?

In Islamic finance, using a benchmark such as the Bank of England Base Rate is permitted, provided it serves purely as a pricing reference point and does not change the agreement’s underlying shariah structure. Shariah does not prohibit benchmarking itself. What is prohibited is riba (interest). A benchmark is simply a commonly recognised, transparent market indicator used to help determine fair and consistent pricing within the local market.
Using an established benchmark helps avoid uncertainty (gharar), ensures clarity for customers, and aligns pricing with prevailing economic conditions. It does not introduce interest into the contract, nor does it alter the shariah-compliant structure of the arrangement.
The permissibility rests on the substance of the contract remaining free from riba, regardless of the benchmark used for pricing reference.

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