# myhalalhome.com ## Posts - [Hello world!](https://myhalalhome.com/hello-world/): Welcome to WordPress. This is your first post. Edit or delete it, then start writing! ## Pages - [For providers](https://myhalalhome.com/providers/) - [Off-plan properties](https://myhalalhome.com/off-plan-properties/) - [Completed properties](https://myhalalhome.com/ready-properties/) - [Non-residents](https://myhalalhome.com/non-residents/) - [GCC nationals](https://myhalalhome.com/gcc-nationals/) - [UAE residents](https://myhalalhome.com/uae-residents/) - [UAE nationals](https://myhalalhome.com/uae-nationals/) - [Sharia governance](https://myhalalhome.com/sharia-governance/) - [Documents checklist](https://myhalalhome.com/documents/) - [Affordability](https://myhalalhome.com/affordability/) - [Buying costs](https://myhalalhome.com/costs-and-fees/) - [Check my options](https://myhalalhome.com/check-options/) - [Guides](https://myhalalhome.com/guides/) - [Legal and disclosures](https://myhalalhome.com/legal/): Legal Legal and disclosures Draft placeholder This page must be written and approved by a qualified adviser before launch. Do not publish this placeholder. - [Cookies](https://myhalalhome.com/cookies/): Legal Cookies Draft placeholder This page must be written and approved by a qualified adviser before launch. Do not publish this placeholder. - [Privacy notice](https://myhalalhome.com/privacy/): Legal Privacy notice Draft placeholder This page must be written and approved by a qualified adviser before launch. Do not publish this placeholder. - [Contact](https://myhalalhome.com/contact/): Contact Contact us Questions, corrections or partnership enquiries. We cannot give advice about your personal finances. - [About](https://myhalalhome.com/about/): About Why MyHalalHome exists Choosing home finance is one of the biggest financial decisions a household makes. For Muslim households it also involves questions of faith. Both deserve clear, honest information. What we are building A comparison and learning service that shows the whole arrangement, not just a rate, and a collective that gives households a stronger voice. We are pre-launch and say plainly what is not yet in place. Team Not yet established Founder and team details to be published. Transparency - [For investors](https://myhalalhome.com/investors/): For investors The model, the dependencies and the risks MyHalalHome is pre-launch and pre-revenue. This page separates what is confirmed from what is assumed, targeted or unresolved. The problem Sharia-compliant home finance is hard to compare. Structures use inconsistent terms, headline payments hide fees, ownership and exit terms, and households act alone with little influence over a small number of providers. The proposed model Three functions that are usually separate: comparison that shows the whole arrangement, preparation that helps households arrive at an adviser informed, and a collective that turns verified demand into negotiating leverage. Revenue would come from referral fees […] - [For providers and advisers](https://myhalalhome.com/partners/): For providers and advisers Working with MyHalalHome We are looking for Islamic home finance providers, FCA-authorised advisers and Sharia specialists to help build a comparison service households can trust. Why take part Households who reach you already understanding the structures, the trade-offs and their own situation should need less explanation and be more likely to proceed. Pooled demand could show where and when that interest exists. Presenting your product with its full terms, governance and verification date sets it apart from a headline rate. Working assumption This is the proposition. It has not yet been tested with partners. What we would […] - [Register interest](https://myhalalhome.com/register-interest/): Register interest Add your household Three short steps, under two minutes. No credit check and no income questions. What happens next We store your details privately They are kept on our website and seen only by the MyHalalHome team. We email you when something changes For example when verified comparisons go live or an authorised partner is in place. You stay in control Ask us to delete your details at any time. - [Frequently asked questions](https://myhalalhome.com/faqs/): Questions Frequently asked questions Straight answers. If yours is not here, ask us. Is Islamic home finance more expensive than a mortgage? Sometimes the monthly payment is higher and sometimes it is similar. Fees, the length of the term and how payments are reviewed can matter as much as the headline rate. That is why we show the total paid and the share you own over time, not one figure. Is it really halal? Each provider has its products approved by its own Sharia scholars or board, and qualified scholars can hold different views. We aim to show who reviewed each […] - [Transparency](https://myhalalhome.com/transparency/): Transparency How MyHalalHome works behind the scenes Who we are, how we would be paid, how comparisons are built and what is not yet in place. Each section states its current status. Regulation and consumer protection Home purchase plans are regulated by the Financial Conduct Authority, and firms that advise on or arrange them must be authorised. MyHalalHome is not authorised and does not advise on or arrange home finance. Before offering introductions or personalised comparisons we will either become authorised or work through an authorised firm, and we will name it here. You can check any firm on the FCA […] - [The collective](https://myhalalhome.com/the-collective/): The collective Stronger together, with nothing promised yet Pooling verified interest from households so providers have a commercial reason to improve terms. It is the least proven part of MyHalalHome, so we explain it carefully. Target Member benefits are an objective. None has been agreed. How it is meant to work You register interest Tell us what you are planning and a rough finance range. No credit check and no income questions. We combine demand Anonymous totals by region, timing and amount show providers the size of the opportunity. We approach providers We ask participating providers for member benefits such as […] - [Refinancing an Islamic arrangement](https://myhalalhome.com/refinancing/): Your situation Refinancing an Islamic arrangement When your current deal is ending or your payments are about to change. What to check, in order Find your review date Check when your fixed period ends and how your rental rate is set after it. Check your exit terms Find out whether leaving before or at the review date carries a charge. Gather your current figures You will need your current share of the home, the amount still to buy and your remaining term. Compare new arrangements Compare a new deal with your current provider against others over the same period, including fees. […] - [Moving home](https://myhalalhome.com/moving-home/): Your situation Moving home with Islamic home finance Whether your arrangement can move with you, and how to compare your options if it cannot. What to check, in order Check portability Find out whether your current arrangement can transfer to a new property and on what terms. Understand exit costs If it cannot move, find out what it costs to settle early. Compare staying against switching Compare your provider's terms for the new home with other arrangements over the same period. Line up the timing Buying and selling at once is easier when the finance, solicitor and provider timelines are agreed […] - [Switching from a conventional mortgage](https://myhalalhome.com/switching/): Your situation Switching from a conventional mortgage Moving to Islamic home finance from an interest-based mortgage. What it costs and what to check first. What to check, in order Check your current mortgage Find out when your current deal ends and whether leaving early triggers an early repayment charge. Work out the full cost of switching Add new fees, legal costs and any early repayment charge to the new payments, not just the monthly difference. Check eligibility Providers set their own rules on property type, finance amount and your circumstances. Get authorised advice An FCA-authorised adviser can tell you whether switching […] - [First-time buyers](https://myhalalhome.com/first-time-buyers/): Your situation Islamic home finance for first-time buyers What to understand and check before you speak to an adviser, in the order it matters. What to check, in order Understand the structures Learn how Diminishing Musharakah and Ijara differ before you speak to anyone. Work out your deposit Minimum deposits vary between providers. A larger deposit reduces the provider's share and the rent you pay. Compare the full cost Look at the total paid and the share you own over the same period, not just the monthly payment. Speak to an authorised adviser An FCA-authorised adviser can check affordability and eligibility […] - [Costs and fees](https://myhalalhome.com/costs/): Costs Costs and fees What you pay beyond the monthly figure, and why fees can outweigh a small difference in rate. Costs to expect Product fee Working assumption Charged by the provider to set up the arrangement. Sometimes it can be added to the finance, which means paying for it over time. Valuation fee Working assumption Pays for the provider's valuation of the property. Some providers include it. Legal costs Working assumption Islamic finance involves different documents from a mortgage. Use a solicitor with experience of it and ask for a fixed quote. Stamp Duty Land Tax Working assumption UK tax […] - [How Islamic home finance works](https://myhalalhome.com/how-it-works/): Learn How Islamic home finance works The main structures in plain English, what makes them different and the words you will meet along the way. The idea in one paragraph Islamic finance avoids , usually translated as interest. Instead of lending you money, a provider normally buys the property, or a share of it. You pay to use the part you do not own and buy it over time. The provider earns rent or an agreed profit rather than interest. In the UK these arrangements are usually called and are regulated by the Financial Conduct Authority. The three main structures Main […] - [Compare home finance](https://myhalalhome.com/compare/): Compare Compare home finance arrangements Payments, costs, ownership, exit terms and governance side by side. Every entry shows whether it is illustrative or verified, and every calculation shows its working. Illustrative No live provider data yet. All entries are worked examples. Reading the comparison The monthly payment is only the start. A longer term lowers the payment but means you own less of the home for longer. Fees paid upfront can cancel out a small difference in rate. The share you own matters because it is what you keep if you sell or move. In a arrangement it grows each month. […] - [Find your starting point](https://myhalalhome.com/start-here/): Start here Find your starting point Three questions, about a minute. Your answers stay in this browser unless you choose to register interest. What are you trying to do? Buy my first homeMove homeSwitch from a conventional mortgageRefinance an Islamic arrangementUnderstand how it works Choose one option to continue. When are you hoping to move or switch? Within 6 months6 to 12 monthsMore than a year awayNot sure yet Choose one option to continue. What matters most to you? The lowest monthly paymentThe lowest total costFreedom to overpay or leave earlyConfidence in Sharia complianceI am not sure Choose one option to […] - [Home](https://myhalalhome.com/): Compare Islamic home finance by what you pay and what you own. MyHalalHome explains Sharia-compliant home finance in the UK and lays arrangements side by side, including the costs and terms a monthly payment hides. We are pre-launch, so every figure shown is illustrative. What are you trying to do? Choose one. You will not be asked for contact details. Buy my first homeSaving now or ready to buyMove homeI already have home finance or a mortgageSwitch from a conventional mortgageI have an interest-based mortgageRefinance an Islamic arrangementMy current deal is endingUnderstand how it worksI am not ready to choose anything […] [comment]: # (Generated by Hostinger Tools Plugin)