You buy together
Your contribution buys an initial share. The provider funds the remaining share.
Sharia-compliant home finance
Explore an alternative to a conventional mortgage. Start with MOVA for an introduction to a specialist in Sharia-compliant home purchase plans.
MOVA introduces you to a specialist adviser, who provides the home purchase plan advice.
Your home may be at risk if you do not keep up the payments on your home purchase plan.
An acquisition-and-rent plan, illustrated
Your contribution buys an initial share. The provider funds the remaining share.
You pay rent for the provider’s share and acquisition payments to buy more of it.
Once the provider’s entire share is acquired and the plan conditions are met, ownership is transferred.
Conceptual illustration, not a payment schedule or deposit requirement. Rent-only plans work differently: monthly rent alone does not increase your share. The specialist explains the exact structure, costs and risks.
Often called an “Islamic mortgage”, a home purchase plan uses a different legal and financial structure from a conventional interest-bearing mortgage.
With a diminishing co-ownership arrangement, you and the provider purchase the property together. Your payments normally include rent for the provider’s share and payments that gradually increase your ownership. The exact structure and payment schedule depend on the plan.
A Sharia-compliant structure does not mean cost-free finance. Compare the deposit, rental payments, acquisition payments, fees, review periods and any early-exit charges. Your specialist adviser should explain how payments could change and what happens at the end of the term.
The provider supplies its contract and Sharia-certification information. Ask questions about the structure and seek independent religious guidance if you want it. Your solicitor will also need to be able to act on the chosen home purchase plan.
Tell Steven about the property and the outcome you want. We will explain the specialist introduction before sharing your details.
Discuss your deposit, income, property and timescale. A specialist will assess the available plans and explain which providers may consider your circumstances. Eligibility depends on the provider, property location and affordability.
Refinancing may be possible, subject to assessment. Include any early repayment charge on your current mortgage, the new plan’s fees and legal costs when comparing your options. Moving to a different structure is not automatically the right financial choice.
Ask about Sharia-compliant buy-to-let finance or an enquiry involving UK expatriate or international residency. These are separate product and eligibility questions; not every home purchase plan provider offers every route.
We can also introduce you for legal work on a Sharia property purchase in England. The legal firm must confirm that it can act for your chosen provider and transaction.
Provider routes
The following providers appear on our network’s panel, including introduced-business routes. Your specialist adviser will assess suitability and explain the options available for your case.
Home purchase plans for buying or refinancing, with separate buy-to-let finance and routes for eligible UK, expatriate and international customers.
Sharia-compliant home purchase plans using a co-ownership structure for eligible home purchases and refinancing.
One clear starting point
You do not need to understand every financing structure before getting in touch. Tell Steven what you want to do and we will explain the next step.
What happens next
Start with the property, location, deposit, income and timeframe. No financial documents are needed in your first message.
We identify who will advise you and explain the proposed introduction, including any referral arrangement, before you proceed.
The specialist assesses suitability and explains costs, risks and the application. The provider makes the final finance decision.
MOVA is your initial point of contact and makes the introduction. A specialist adviser provides the home purchase plan advice and takes responsibility for that advice. We will identify the firm before you decide whether to proceed.
“Islamic mortgage” is a common search term. The products described here are Sharia-compliant home purchase plans, with a different structure from a conventional mortgage. Your adviser will explain the legal arrangement and obligations for the specific plan.
There is no single deposit requirement that applies to every provider and customer. It depends on the plan, property, residency, affordability and current criteria. The specialist will confirm the options for your circumstances.
Potentially. A specialist must assess eligibility and compare the total costs, including any early repayment charges and legal fees. A new plan is subject to the provider’s approval.
Providers publish information about their own Sharia governance and certification. Ask the specialist to show you the documents for the plan you are considering. MOVA does not provide religious rulings.
The specialist and provider will explain their charges before you commit. MOVA may receive an introduction payment; we will explain any applicable arrangement before the referral. You remain free to choose another adviser or provider.
Your next step
Start with a conversation about what matters to you.
MOVA Mortgages Ltd acts as an introducer for the home purchase plan service described here. The specialist adviser and finance provider are responsible for their own services. Product availability, property location, eligibility, affordability and terms must be confirmed for each enquiry. Provider examples are not a personal recommendation.
Information checked against Gatehouse Bank and StrideUp’s published guidance on 6 November 2026. For our wider service information, see our terms and privacy notice.
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