Buy your home without interest. From a 5% deposit, for first-time buyers, home movers, the self-employed and complex cases.
Shariah-compliant finance for single lets, HMOs, multi-unit blocks and portfolios, in your own name or through a limited company.
Switch from an interest-bearing mortgage, or move your Islamic plan to a better rate when your fixed term ends.
Finance for commercial and semi-commercial property, bridging, development and refurbishment, for individuals and companies.
Buy a home or a rental property in England and Wales from anywhere in the world, with support on WhatsApp across time zones.
We help you manage incoming outgoing cash efficiently, improving liquidity & supporting better financial control.
Learn how we empower businesses & individuals with strategic guidances, innovative solutions, and a commitment to long-term success.
We only arrange Shariah-compliant finance, we aren’t tied to any bank, and we handle your application from the first call to completion. Clients tell us it’s our knowledge and communication that make the difference.
We're not tied to any provider, so we recommend what suits you.
The first UK brokerage authorised to advise on home purchase plans.
Talk to an adviser today. Check your eligibility or call 01254 663730.
First-time buyer
“Exceptional service! As first time buyers, we were given full guidance on the process and supported at each step to ensure everything went through smoothly.”
Financial strategy successfully implement
Self-employed, home purchase
“We faced a highly complex application with multiple challenges, including self-employment income. The team navigated every hurdle with remarkable professionalism and deep industry expertise.”
Satisfied Clients Who Trust Our Expertise
Buy to let and refinance
“Our case was far from straightforward, with several hurdles and obstacles along the way, but Nizam and his team worked tirelessly, professionally, and with genuine care to secure the right packages for us.”
Strategic Partnerships Built to Enhance Growth
Quick answers to the questions we’re asked most. For more, browse our Q&A library of nearly 200 answers.
A conventional mortgage is a loan of money with interest, where the bank acts as a lender and uses the property as collateral. An Islamic home purchase plan is an asset-backed partnership: you and the bank co-own the property, or enter a lease arrangement, so no interest (riba) is involved.
The typical minimum deposit for a standard residential home purchase plan is 5% to 10% of the purchase price. Some products go down to 5% for first-time buyers, while higher-risk properties may need 20% or more. Buy to let usually starts at 20% to 25%.
Yes. It’s treated as a refinance: the Islamic provider clears your outstanding mortgage balance and moves the property into a Shariah-compliant co-ownership structure. Check whether your current lender charges an early repayment charge first.
Yes. Self-employed applicants usually need at least 2 years of certified accounts or HMRC self-assessments (SA302s) showing consistent, sustainable profit. We package your case so it’s presented properly first time.
No. UK law was updated for alternative finance, so Islamic property purchases get relief and you only pay Stamp Duty Land Tax once, exactly like a conventional buyer.
ABOUT HALAL OPTIONS
Halal Options is the trading name of One Option Finance Ltd. We offer Independent advice on halal, mortgage alternative Property Purchase Plans.
We are authorised and regulated by the Financial Conduct Authority.
FCA #: 4749334 | Company #: 5321285
Blackburn Enterprise Centre, Furthergate, Blackburn BB1 3HQ
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