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### Discover halal home finance with StrideUp.

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# Invest in property the halal way.

StrideUp’s halal Buy-to-Let (BTL) Purchase Plan is a shariah-compliant alternative to conventional landlord (property) finance, built on equity rather than interest.

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StrideUp’s buy-to-let products are not regulated by the Financial Conduct Authority (FCA)

My investment

## Quick rate finder

A structured approach to halal real estate investing – use our calculator to explore today’s buy-to-let rates. Choose deposit and term to view an estimated finance rate and fees for your plan.
UK Resident
British Expat
What’s the property value?
£
How much is your deposit?
£
This property is for
Standard buy-to-let
HMO / MUFB
Select a fixed term
2 years
5 years
Term length
20 yrs
5 yrs
30 yrs
Back to overview

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.
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### 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.
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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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## Your halal buy-to-let finance

StrideUp’s Buy-to-Let Purchase Plan (BTLPP) is a clear, halal structure designed for landlords who want to build their portfolio without compromising their faith.

### What is StrideUp’s Buy-to-Let?

For UK landlords exploring halal property investing, StrideUp’s Buy-to-Let Purchase Plan (BTLPP) is a shariah-compliant way to invest in property. Instead of a conventional buy-to-let mortgage, you buy the property in partnership with us. You contribute a minimum 20% deposit, and we provide the rest of the finance.
Each month, you pay rent on the share you don’t yet own while gradually increasing your ownership. Over time, your share grows until you own the property outright.

Book a Buy-to-Let call

## Landlords choose StrideUp.
Here’s why.

See why landlords choose StrideUp’s Buy-to-Let to build their portfolio.

Certified halal

Our plan is built without riba (interest) and certified as shariah-compliant by qualified scholars from Amanah Advisors.

Flexible terms

Choose from 2 or 5-year fixed periods to suit your portfolio strategy.

Up to 80% finance-to-value

Start with a minimum 20% deposit.

Range of property types

We support standard rentals, houses in multiple occupation (HMOs), and multi-unit blocks (MUFBs), subject to criteria.

First-time landlords welcome

You don’t need an existing portfolio to start. StrideUp supports first-time landlords looking to invest in property in a halal and responsible way.

Top slicing allowed

If rental income doesn’t fully cover your payments, we can also consider your personal income to bridge the gap. That means you aren’t limited to only the highest-yield properties.

Clear costs

We show you a transparent finance rate, not interest.

Dedicated support

Our team works with you from application through to completion, so you’re never left in the dark.

## Who can apply for a StrideUp Buy-to-let?

#### You may be eligible for StrideUp’s BTLPP plan if:

- You’re a UK resident
- The property is in England
- You have a deposit of at least 20%
- The property is for rental use (not occupied by yourself or a family member)
- You meet affordability, credit, proof of income and tenant profile checks

Apply now
Eligibility criteria
Build your portfolio

## Which property types do we consider?

Standard single let
Houses in Multiple Occupation (HMOs)
Multi-Unit Freehold Blocks (MUFBs)
Book a free consultation
Eligibility criteria

## Understanding the risks.
We believe in being upfront.

It’s important to understand the risks involved with any property investment.
Rental gaps
If rent doesn’t fully cover payments, your personal income must.
Void periods
You remain responsible for payments even without tenants.
Maintenance
Landlords cover upkeep and compliance costs.
Tenant risk
Late or missed rent may affect your cashflow.
Market changes
Property values and rents can rise or fall.
StrideUp’s buy-to-let products are not regulated by the Financial Conduct Authority (FCA).

## People also ask…

Here’s some of the most common questions we’re asked about our Buy-to-Let Purchase Plan.

### Is StrideUp’s Buy-to-Let plan halal?

Yes. It avoids interest and is certified as shariah-compliant by qualified scholars from Amanah Advisors.

### What is top slicing?

Top slicing is when we consider your personal income as well as rental income to assess affordability. If rent doesn’t fully cover your plan payments, your wider income can bridge the gap.

### What is the maximum finance-to-value?

Up to 80% on eligible properties, with a minimum 20% deposit.

### What type of properties are accepted?

We consider standard single lets, HMOs and Multi-Unit Freehold Blocks (MUFBs), subject to valuation and criteria.

### Who’s responsible for maintenance and repairs?

As the landlord, you’re responsible for maintaining and repairing the property, just like with any standard buy-to-let. That includes things like upkeep, safety checks, insurance and legal compliance. StrideUp’s role is as your co-owner, not a managing agent, so you keep full control and responsibility of how your property is managed.

### Will I get support during my application?

Yes. Every landlord is paired with a dedicated StrideUp team member from initial application through to picking up the keys. You’ll always have someone guiding you along the way.

### Is StrideUp’s Buy-to-Let regulated by the FCA?

No. StrideUp’s Buy-to-Let finance products are not regulated by the Financial Conduct Authority.

### Do you provide Halal real estate investment in the UK?

For customers exploring halal real estate opportunities in the UK, StrideUp’s Buy-to-Let Purchase Plan provides a halal, shariah-compliant route to property investment. Rather than using an interest-based mortgage, the structure is based on co-ownership and rental payments, aligning property finance with Islamic principles.

To learn more, explore the different structures used in Islamic finance, such as diminishing musharakah (co-ownership) and ijarah (leasing).

Need more help?
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Trustpilot

## See why people choose StrideUp.

It’s reassuring to see a company that values fairness and offers an ethical, shariah-compliant alternative.
Aamir on TrustPilot
The whole process has been smooth and straightforward, and all the staff I’ve dealt with have been very helpful and professional.
Sharifa on TrustPilot
I appreciate StrideUp’s honesty and guidance in the process as a first time buyer. With their help it made the process of buying a house much easier.
Mariam on TrustPilot
I would happily recommend StrideUp to anyone looking for an ethical, straightforward way to buy a home.
Tariq on TrustPilot
It was refreshing to speak with someone so knowledgeable and approachable. We came away from the call feeling much more confident about our next steps.
Emrul on TrustPilot

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## This call is for investment finance only

Investment calls are for Buy to Let properties only.

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