Sharia-Compliant Mortgages – Ethical Home Financing Made Easy
Expert legal support for Sharia-compliant mortgages from ASL Solicitors in Rochdale. We ensure your property purchase aligns with Islamic finance principles. Contact us today!
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Understanding Sharia-Compliant Home Financing
For Muslims in the UK, Sharia-compliant mortgages (also known as Islamic home finance) provide a way to purchase property without engaging in interest-based lending (riba), which is prohibited under Islamic law. These mortgage alternatives ensure that financing aligns with ethical and religious principles while complying with UK property laws.
At ASL Solicitors, our conveyancing solicitors in Greater Manchester provide specialist legal support for buyers using Sharia-compliant finance, ensuring that all legal and contractual requirements are handled correctly.
How Do Sharia-Compliant Mortgages Work?
Unlike conventional mortgages, Sharia-compliant home finance is structured in a way that avoids interest. The most common models used in the UK include:
- Murabaha (Cost-Plus Financing) – The bank buys the property and sells it to you at a higher price, allowing repayment in fixed instalments without interest.
- Ijara (Lease-to-Own Financing) – The bank purchases the property and leases it to you, with rental payments contributing towards ownership.
- Musharaka (Diminishing Partnership) – You and the bank co-own the property, with your share increasing over time until you fully own it.
Each financing model must be structured carefully to comply with both Islamic principles and UK property law.
What Are the Legal Steps in a Sharia-Compliant Property Purchase?
Our conveyancing solicitors in Greater Manchester guide clients through every stage of the Islamic home finance process, ensuring compliance with both UK law and Sharia principles.
- Initial Consultation – We assess your chosen Sharia-compliant mortgage product and explain the legal process.
- Reviewing Contracts – We carefully examine financing agreements to ensure they align with UK legal requirements and protect your interests.
- Property Searches & Checks – We conduct legal searches to verify ownership, planning permissions, and potential restrictions.
- Liaising with Islamic Banks & Lenders – We work closely with Sharia-compliant financial institutions to coordinate transactions smoothly.
- Completion & HM Land Registry Registration – Once the transaction is finalised, we ensure legal ownership is correctly registered.
Why You Need a Specialist Conveyancing Solicitor
Sharia-compliant mortgages have specific legal and financial structures that differ from conventional mortgage transactions. Our legal team ensures that:
- Your home purchase fully complies with UK property laws.
- Contracts reflect Islamic finance principles while protecting your rights.
- The transaction is completed efficiently with no unnecessary delays.
- Your ownership structure is correctly recorded with HM Land Registry.
Why Choose ASL Solicitors?
When choosing a residential property solicitor, it’s important to work with a firm that understands your needs. ASL Solicitors provides:
What Our Clients Say – Testimonials & Reviews
Our commitment to excellence is reflected in the hundreds of 5-star reviews we’ve received on Google and reviewsolicitors, showcasing the trust and satisfaction of our valued clients.
The service at ASL was amazing they handled everything so well and any problems were taken care of straight away.. would 100% recommend ASLThe process of buying a house was so easy with minimal stressAlisha was amazing throughout the process she was absolutely fantastic.. thank you once again
Fast, prompt and efficient. Zainab has been fantastic with handling the legal side of purchasing a house. As a first time buyer, it can be difficult to navigate but she has made the process easy and takes her time to explain things.
Used them for conveyancing , Luke was just amazing. very professional and keeping me up to date with all developments.Completed the sale in agreed time with no issues.Great bunch of team.
Zainab was a pleasure to deal with and kept me up to date during the process .
Recently used ASL to purchase a BTL and highly recommend. App was easy to use for quick uploads of documents. Zainab and her communication/updates were excellent. Thorough checks were made.Fees were on the higher side but worth every penny for speed and efficiency. Would definitely use their services again.
Where do I begin. I had the pleasure of having Alisha Saleem as my conveyancer for selling my property and purchasing my onward property. Alisha went above and beyond to meet our deadline. The communication skills are outstanding. The quality of work always exceeding my expectations. I would definitely recommend her to everyone. A big thank you to Alisha for all her hard work
If I could give 10 stars I certainly would! I’m not easily pleased but the service received from ASL in particular Alisha Saleem has been fantastic. She has been helping me on a few buy to let’s doing all the necessary legals. Compared to the other solicitors I have used particularly in the Wilmslow area they are so much quicker and efficient. Thank you so much will definitely be using ASL again.
I recently had the pleasure of working with Affinity Seven Law Solicitors, and I can't recommend them highly enough—especially Alisha, who was absolutely fantastic throughout the entire process.As this was my first investment property purchase through a company, I had a lot of questions and needed clear, expert guidance. Alisha was incredibly knowledgeable, responsive, and proactive, ensuring that every step was handled smoothly and efficiently. She kept me informed at all times, explained complex legal matters in a straightforward manner, and made what could have been a stressful experience feel seamless.Her professionalism, attention to detail, and dedication to client satisfaction truly set her apart. I wouldn’t hesitate to use Affinity Seven Law again for future property transactions, and I highly recommend Alisha to anyone in need of a top-tier solicitor.Thank you, Alisha, for making this experience so positive!
A HUGE thank you to the team!Super reliable, fast and efficient!I was able to purchase my First home with such an amazing team to help us get through the process with ease.Alisha was fast to answer any questions, making the whole process really smooth.Definitely recommend you to everyone!Thank you all once again!
I recently had the pleasure of working with Alisha from ASL Solicitors for the conveyancing of my new property, and I couldn’t be more pleased with the service I received.From start to finish, Alisha was professional, efficient, and incredibly knowledgeable. They kept me informed every step of the way, ensuring I understood the process and addressing any questions I had promptly and thoroughly. I especially appreciated their attention to detail and proactive approach in handling any issues that arose, which made the entire process smooth and stress-free.Their communication was exceptional — clear, timely, and always with a focus on making sure I was comfortable with each decision. Alisha was always available to offer advice, and I felt confident that my property purchase was in safe hands.I highly recommend Alisha and ASL Solicitors to anyone looking for reliable, expert conveyancing services. I will definitely return for any future property needs!
I have brought my dream home using ASL Solicitors they have done a fantastic job. they were super fast, I am very pleased and impressed with their service they have friendly & helpful staff always willing to assist. Very pleased with the service I received from Alisha she has done a great job in handling complicated property matters, worked very hard and super fast. It was all done in time faster than expected, I have to say I received the best service from her she was always communicating well. I would like to thank everyone at ASL solicitors and thank Alisha for her excellent work, professionalism, kindness and understanding. I truly appreciated all your support & efforts. I would definitely use ASL solicitors again in the future. I would highly recommend ASL Solicitors. Once again many thanks Alisha for everything, I have received a great service from you, you were brilliant.
If you are purchasing a property using Sharia-compliant finance, our conveyancing solicitors in Greater Manchester are here to help. Contact ASL Solicitors today at 01706 711 176 for professional, knowledgeable, and culturally sensitive legal support.