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Often referred to as a halal mortgage or a shariah-compliant mortgage.

# Starting your StrideUp home journey.

StrideUp’s Islamic mortgage, a halal Home Purchase Plan (HPP) is an ethical, interest-free and shariah–compliant alternative to a mortgage. We buy the home with you, you live in it, pay rent on the share you do not yet own, and gradually increase your ownership over time.

Halal way to buy a house
Our dream home

## 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.

How it works
Is it halal?
For everyone

### Your home. Your way.

StrideUp is a Home Purchase Plan provider. You start with a minimum 10% deposit¹, which becomes your equity in the home, while StrideUp owns the remaining share. Your share grows with every monthly payment², with the choice to add more within the terms of your plan³, moving steadily towards full ownership.

- Minimum 10% deposit
- Your share grows with each payment

Get started

¹ Subject to status and criteria.
² Your monthly payment includes a rental component on the share StrideUp holds, based on Ijarah (Islamic leasing) principles and set out in your Lease Agreement.
³ Early payment charges may apply if you exceed your annual allowance. These will be explained in your Offer documents.

### Shariah-certified.

Yes, StrideUp’s HPP product is shariah-certified by Amanah Advisors. No interest, just a structure built on Islamic principles. Rooted in faith.

- Riba free, that means no interest
- Shariah-certified by Amanah Advisors

Get started

### Built around you.

For many people, this is the Islamic way of buying a house: a structure built on joint ownership¹ rather than interest, designed to help you move forward without compromising your faith.

Whether you’re applying with family, combining multiple incomes, or working in less traditional roles, we look beyond the narrow criteria of conventional lenders. The result is a more flexible, inclusive approach that supports you on your path to home ownership.

Explore criteria

¹ The joint ownership structure in Islamic finance is known as diminishing musharakah, a partnership where your share grows as ours reduces, until the home is fully yours.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE PAYMENTS ON YOUR HOME PURCHASE PLAN.

## Quick rate finder

We believe managing your finances should be clear and transparent. Use our calculator 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
5 yrs
40 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.
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.

## Email estimate

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## We believe finance should open doors,
not close them.

At StrideUp, we look at the bigger picture. Our Home Purchase Plan criteria is designed to support more people on their journey, while staying clear, fair, and rooted in Islamic principles.
Fast decisions
Deposit from 10%
No waiting list

Fast decisions.
Time matters when you’re are buying a home.
Most people receive their Decision in Principle (DIP) the same working day, and full applications typically reach offer in just over 2 weeks. That means you can search with confidence and act quickly when you find the right home.

Learn more

Deposit from 10%.
Start your journey to ownership.

With a minimum 10% deposit¹, you can start your journey to ownership. That deposit immediately becomes your equity in the property.

Learn more

No waiting list.
We’re ready to get started when you’re ready.
There’s no waiting list at StrideUp, so once you are approved you can keep moving forward without unnecessary delays.

Learn more
Your path to ownership

## We believe finance should open doors,
not close them.

At StrideUp, we look at the bigger picture. Our Home Purchase Plan criteria is designed to support more people on their journey, while staying clear, fair, and rooted in Islamic principles.
Your path to ownership
Fast decisions
Deposit from 10%
No waiting list

Fast decisions.
Time matters when you’re are buying a home.
Most people receive their Decision in Principle (DIP) the same working day, and full applications typically reach offer in just over 2 weeks. That means you can search with confidence and act quickly when you find the right home.

Learn more

Deposit from 10%.
Start your journey to ownership.

With a minimum 10% deposit¹, you can start your journey to ownership. That deposit immediately becomes your equity in the property.

Learn more

No waiting list.
We’re ready to get started when you’re ready.
There’s no waiting list at StrideUp, so once you are approved you can keep moving forward without unnecessary delays.

Learn more

## Fast decisions

Time matters when you are buying a home. Most people receive their Decision in Principle (DIP) the same working day, and full applications typically reach offer in just over 2 weeks. That means you can search with confidence and act quickly when you find the right home.

Things to think about:

- Timelines depend on the completeness of your documents and your circumstances.
- Not every application will move at the same pace, but our process is built for efficiency.
- Subject to status and criteria.

## Deposit from 10%

With a minimum 10% deposit¹, you can start your journey to ownership. That deposit immediately becomes your equity in the property.

Things to think about:

- A higher deposit may reduce your monthly costs.
- StrideUp accepts gifted deposits, including up to 100% of the amount. Gifts are not limited to immediate family, so support from wider family or community can help first-time buyers take their first step. This provides more flexibility compared to many high street lenders. This is subject to criteria.
- Deposits can come from savings, gifted funds (from family or friends), or the sale of another property. We’ll ask for documents like bank statements or a gifted deposit declaration as proof.
- ¹Subject to status and criteria.

## No waiting list

We’re ready to get started when you’re ready. There is no waiting list at StrideUp, so once you are approved you can keep moving forward without unnecessary delays.

Things to think about:

- Approval depends on you meeting eligibility and affordability checks.
- Subject to status and criteria.

## 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

### 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

## Your StrideUp journey.

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

Take a DIP

Start by completing a quick online DIP, and in most cases you’ll get an answer right away. If your application needs a closer look, we’ll review it, usually the same working day, and let you know how much you could finance.
There’s no credit check or commitment at this stage, just a clear first step toward understanding what’s possible.
If you’d like to check your eligibility first, visit our eligibility page for more details.

Talk to us

Book a 15-minute call with our team to ask questions and check in before moving forward. We’ll answer everything openly, explain your options and guide you through the next steps.
By the end of the call, you’ll understand how the process works, what to expect next, and how StrideUp could support your home journey.

Find a home

Start your search with a clear budget. Once you find the right property, make an offer in line with your DIP. We’ll be on hand to update your DIP if needed and guide you on what’s realistic.
This way, you can house-hunt with confidence, knowing exactly what’s within reach.

Get in touch

Let us know when you’ve found your home and we’ll book an advice call to discuss your application. If we have a suitable product for your situation and you’re ready to go, you’ll also pay your valuation fee at this moment to begin your progress.

Underwriting starts

After the valuation fee is paid, we’ll underwrite your case, arrange a valuation, and move your file forward. You can expect smooth service, quick updates, and clear guidance all the way to your offer.

Solicitors and searches

Once your offer is out, you’ll need to appoint your solicitor to begin the legal work, including conveyancing, contracts and property searches. You’ll also pay for your legal and property checks, such as local authority and environmental reports.
This stage can take the longest, often several months, as it depends on third parties. But we’ll keep you informed so you always know where things stand.

Working together

As Islamic home finance involves two parties purchasing a property together, StrideUp will also appoint its own solicitor to represent our side of the transaction.
We’ll work closely with both solicitors, as well as the surveyor, to keep things moving and make sure you’re always updated.

Get the keys

Leading up to completion, you’ll transfer your deposit, any stamp duty due and complete the final legal steps with your solicitor. We’ll release our funds and once solicitors confirm completion, you’ll know the moment it’s all done.
The moment you’ve been working toward is finally here. You pick up your keys, open the door and step into your new StrideUp home, ready for the next chapter of your journey.
Welcome home to StrideUp.

Ready to get started?
Start your journey

## 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.

### What is a Home Purchase Plan?

A Home Purchase Plan (HPP) is StrideUp’s shariah-compliant alternative to a mortgage. You and StrideUp buy the home together in partnership. Each month, you make one fixed payment that covers rent for our share and gradually increases your ownership. This will lead to owning the property outright by the end of your full term.

### What is 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.
At StrideUp, our Home Purchase Plan avoids interest by working on a co-ownership and rent basis, rooted in Islamic principles.
Learn more on our Halal Mortgage page, where we explain how Islamic home finance works and why StrideUp’s Home Purchase Plan is a shariah-compliant alternative.

### How much deposit do I need?

With StrideUp, you start with a minimum 10% deposit. This becomes your equity in the home and forms the foundation for your ownership journey.

### How long does approval take?

Most people receive a Decision in Principle (DIP) the same working day they apply. On average, a full application typically reaches offer in just over 2 weeks, although your actual finance amount and timescales may vary and subject to your personal circumstances.

### Is a Home Purchase Plan halal?

Yes, StrideUp’s Home Purchase Plan (HPP) is fully certified by qualified scholars from Amanah Advisors. It is built to ensure your home finance never compromises your values, and it is not a home loan, rather a partnership that’s based on joint ownership.

### Is a fixed rate mortgage halal?

Even if the rate is fixed, a conventional mortgage is still based on interest. From an Islamic perspective, fixing the rate does not change the underlying issue, it’s the presence of riba. This is why fixed-rate mortgages are generally not considered halal, and why Muslims often seek non-interest-based alternatives instead, even if the rate is fixed for a said period.

### Why are mortgages haram?

Mortgages are considered haram because they are built on riba (interest), i.e. charging or paying interest on borrowed money. Islam discourages profit from debt and promotes financial arrangements where risk and reward are shared fairly. Interest-based mortgages are often viewed as placing disproportionate risk on the borrower while guaranteeing profit for the lender, which conflicts with Islamic principles of justice and balance.

### How to buy a house without interest in Islam?

To buy a house without interest in Islam, many Muslims turn to partnership-based home finance models. These structures avoid lending money altogether. Instead, the provider and the customer buy the property together, with ownership shared from day one.
Over time, the customer can increase their share by making acquisition payments on a monthly basis, and pay rent on the portion of the property they do not yet own. This approach allows people to work towards homeownership in a way that aligns with their faith and values.

Where questions touch on Islamic views, this information is provided for general guidance only and reflects common scholarly interpretations. Views may differ and customers should seek advice from a qualified Islamic scholar if they require religious guidance.
Need more help?
Visit our help centre
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

## Your StrideUp home is waiting for you.

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If you’re looking to purchase or refinance your own home, explore home finance instead.

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