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# Refinance Eligibility

Whether you’re moving away from interest-based lending or simply looking for an option that aligns with your values, StrideUp’s shariah-compliant refinance plans help you stay true to your values without compromising on convenience.

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Important information

These criteria are a helpful overview but not exhaustive. Your eligibility depends on several factors including your income, credit history, property type and deposit amount. We review every application with care to make sure it’s affordable, sustainable and aligned with our values.

### Personal eligibility

- Available to individuals or joint applicants (up to four) who currently have a conventional mortgage or an Islamic Home Purchase Plan.
- If you own your property outright, and you want to take out finance on your property.
- All applicants must be 18 or over at the time of application and the term must end before your 75th birthday.

### Financial criteria

1. We consider a wide range of income types, including PAYE, second jobs, self-employed (from one year) and contractors.
2. We take a practical approach to credit history; past arrears may not automatically mean a ‘no’.

### Property requirements

- Properties must be in England
- Minimum property value: £75,000
- Leasehold properties must have at least 40 years remaining on the lease at the end of your plan term.
- The property must be your main residence and not let to tenants.
- Property must be owned for 6+ months (exceptions apply for probate, bridging or auction purchases).

We can’t accept certain property types including:

- Freehold flats
- Homes with serious structural issues
- Large high-rise ex-local-authority blocks
- Right to Buy, Right to Acquire, and Shared Ownership

### Think you might be eligible?

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Refinance even faster

Looking for a faster way to refinance your home? Explore Rapid Refinance options with StrideUp.

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## This call is for investment finance only

Investment calls are for Buy to Let properties only.

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

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