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🕌 Islamic Home Finance

Thames Mortgage & Protection

Ethical, Sharia-compliant property finance — structured correctly and transparently.

🏠 Islamic Home Purchase Plans

We work with specialist UK-regulated Islamic finance providers offering:

  • • Ijara (lease-based structure)
  • • Diminishing Musharaka (co-ownership model)
  • • No interest (Riba-free)
  • • Clear and transparent profit rates
  • • Fully Sharia-compliant UK agreements

Suitable for:

  • • First-time buyers
  • • Home movers
  • • Switching from conventional mortgages
  • • Buy-to-let (selected providers)

🔁 Switching from a Conventional Mortgage

Already have a standard mortgage? We guide you through the full transition:

  • • Review your existing mortgage and early repayment charges
  • • Redeem the conventional loan
  • • Move to a Sharia-compliant structure
  • • Assess affordability under Islamic finance criteria

Handled carefully, from start to completion.

🧾 Deposit & Eligibility Guidance

Clear guidance before you proceed:

  • • Typical minimum deposits from 5–10%
  • • Income assessed under UK affordability rules
  • • Credit history still considered
  • • Gifted deposits accepted (subject to provider criteria)

No confusion — just clarity.

📊 Why Specialist Advice Matters

Islamic home finance differs fundamentally from conventional mortgages.

We ensure:

  • Correct Sharia-compliant structure
  • Transparent cost comparisons
  • Clear explanation of agreements
  • Full UK regulatory compliance

Book a Confidential Consultation

Private, respectful and adviser-led guidance.

Thames Mortgage & Protection

FCA Regulated • FRN 1045227

Your home may be repossessed if you do not keep up repayments on your mortgage or loans secured on it.