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Sharia Compliant
HNW Mortgages
Bespoke, Shariah‑compliant home finance designed for high net worth individuals structured with discretion, flexibility, and the precision required to manage complex income, international assets, and multi‑million pound financing requirements.
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HNW Large Loans for Sharia Compliant Home Purchase Plans
A Home Purchase Plan (often called a “halal mortgage” in everyday language) is a Shariah‑compliant alternative to a conventional residential mortgage. Instead of lending money with interest, the finance is structured around property ownership and rental payments.
In practical terms, with a home purchase plan you buy the property jointly with the provider - your deposit is your stake, and the provider funds the balance. Once the plan is completed, ownership transfers and the deed moves to you.
Large loan HPPs apply the same concept, but are tailored to higher property values, more complex or hig income profiles, and cases involving expats or international residents where the detail matters and underwriting is more nuanced.
Higher‑value property finance is rarely “one‑size‑fits‑all”. The difference is not just the loan size - it’s the complexity around:
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variable or multi‑source income (business owners, bonuses, dividends)
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larger deposits or complex deposit sources
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international residency or visa status
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property type (new build houses vs new build flats)
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and how the finance-to-value banding changes as loan size increases
This is exactly why high net worth clients typically benefit from a more bespoke, discreet broker-led process rather than generic “apply online” pathways.
The two main HPP structures in the UK
While providers label their products differently, most Shariah-compliant Home Purchase Plans (HPPs) in the UK follow one of two underlying models. Understanding these structures is key to knowing how your ownership evolves over time and how your monthly costs are calculated.
Home Purchase Plan Journey
Most HPP journeys follow a similar pattern. Our seamless process ensures Shariah-compliance at every stage.
Eligibility & AIP
Speak with one of our recommended FCA qualified Advisers to confirm your eligibility, obtain an agreement in principle.
Application & Valuation
Choose a property and your adviser will submit an application. Underwriting and valuation will commence.
Purchase & Structure
The provider purchases the property with you (co‑ownership) or leases it to you (Ijara).
Monthly Payments
Payments are split between an ownership-building element and a rental element for the provider’s share.
Ownership Transfer
Gradually buy out the provider’s share (Musharakah) or follow the lease-to-own mechanism (Ijara).
Why people choose a Home Purchase Plan (HPP)
People usually consider HPPs because they want a route to home ownership that avoids interest-based mortgages, while working within the UK property system. When comparing providers, the most useful questions are practical ones rather than abstract concepts.
Structure: Diminishing Musharakah (co-ownership) vs Ijara (lease-based).
Rent: How it is calculated and whether it is subject to change.
Exit terms: Conditions for selling or exiting early vary by structure.
Costs: Valuation, legal, arrangement, and early settlement fees.
A broker-style approach ensures you avoid common mistakes and compare the factors that truly impact your agreement.
Note: Criteria vary by provider and are subject to change. This information is for high-level illustrative purposes only and does not constitute personal financial advice.
Frequently Asked Questions
Is a Home Purchase Plan the same as an Islamic mortgage?
While often used interchangeably, an HPP is structurally different from a conventional loan. Since interest (Riba) is prohibited in Islam, an HPP uses Diminishing Musharakah (co-ownership) or Ijara (leasing). You are buying the property with a provider rather than borrowing cash to purchase it alone.
What are the main HPP structures in the UK?
Most UK providers use Diminishing Musharakah, where you and the provider own shares that shift in your favor over time. Another option is Ijara, a lease-and-ownership transfer model. Both structures are FCA-regulated and verified by Shariah boards to ensure full compliance with Islamic financial principles.
What do I pay each month on an HPP?
Your monthly payment consists of two parts: an acquisition payment to buy more of the provider's share and a rental payment for the share you don't yet own. As your ownership grows, the rental portion typically decreases. This ensures your journey to property ownership remains entirely halal and transparent.
Is my home at risk if I don’t keep up payments?
Yes. Just like a conventional mortgage, your home may be repossessed if you do not keep up your payments under a Home Purchase Plan. It is vital to ensure your plan is affordable for your budget. A qualified adviser can help you find a sustainable structure that aligns with your financial goals.
High Net Worth Halal Mortgages (HPP)
If you’re buying a higher‑value home or refinancing an existing property, your case often won’t fit a “standard” mortgage box. Large loan Home Purchase Plans (HPPs) are designed to provide a Shariah‑compliant route to property ownership without interest, with funding available up to multi‑million levels depending on provider criteria and structure.