The mortgage free way to buy your own home
Your Home is the Sharia compliant home buying solution that gets you moving. Our part buy - part rent scheme lets you choose a freehold home on the open market, then you buy a share and rent the rest. There is no mortgage, and as there is no lending involved, there is no interest.*
How it works
Your Home provides the opportunity for you to own and live in a house you really love, in the area that you choose, by buying a share of it and renting the rest.
You choose a freehold home on the open market, buy a minimum 25% share with a cash deposit and then pay rent on the part you don't buy. You don't need a mortgage and there's no lending involved.
You can buy a larger share in the home overtime, reducing the rent payments, and you could potentially buy the home outright.
Are you eligible?
Deposit
You will need a cash deposit of 25% of the full market value of the home.
Finances
A good credit history and an income large enough to cover your payments are required.
Nationality
You must be a British citizen or have indefinite rights to remain in the UK.
Home
The home must be your primary residence. You can not rent out the home.
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*The home must be a freehold property that is at least one-year old and have an EPC rating of at least D. A RICS Level 2 Home Buyers Report must be completed at the expense of the buyer (prior to exchange), the valuation must be in line with the purchase price agreed. There must be no serious safety issues highlighted or anything that could cause severe long-term damage for the buyer or the property (eg. damp, mould or subsidence).
