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Manzil Home Purchase Plans

Standard Ijara Home Purchse Plan 

Buy to Let Ijara Home Purchase Plan 

Buy to let Murababa Purchase Plan 

None UK reisdent Home Purchase Plan 

How it works?


Under Ijara the bank will buy and own your chosen property.

We then sell it to you for the same price with payment spread over a period of up to 25 years.

While you are buying the property from the bank we will also charge you rent for living in a property we own.

The bank therefore makes its profit from the rent we receive from you and, once you have paid us the full purchase price, the property will become yours.

The bank therefore makes its profit from the higher sale price of the property.

Qualifying criteria

Suitable for those in permanent employment or the self-employed. Who are able to pay the purchase price before the age of 65. Minimum age 18.

Minimum deposit requirement

65% is available for finance with a minimum deposit of 35%.

Qualifying Property & Value

Payment terms

Ijara - up to 25 years, minimum term 7.5 years.

Max 15 years for non-UK residents

Income Multiplier

3 times primary annual income (sole applicants).

3 times the higher income plus 1 times the lower income or 2.5 times combined income for joint applicants, however, we will look at each case on its own merits.

Shariah panel / advisors


>> click here to submit an enquiry.


Islamic Mortgages Info

The Qur'an (2:276) says: "Allah has permitted trade and forbidden usury" and in 2:278 reminds the Muslims: "O ye who believe, keep your duty to Allah and relinquish what remains (due) from interest, if you are believers."

As a prospective purchaser of Islamic mortgages, we believe that you need to understand the issues which exist, question the authority of the Fatwa's which have been made and look to see what is right for the eyes of Allah.

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The entire product range offered on this website is Shariah compliant. However, from time to time we will promote relevant none Halal products where no Islamic / Halal alternatives exist. Your home is at risk if you do not keep up monthly payments due under an Islamic / Halal mortgage agreement (your lease and / or diminishing ownership agreement).