Cost-plus sale
Murabaha
The provider purchases the property and sells it to you at an agreed, fixed price that includes a disclosed profit margin. You know the total cost from the start, and there is no compounding.
Islamic Bridging
Short-term property finance, structured on ethical principles.
Islamic bridging finance offers the speed and flexibility of a conventional bridge, while avoiding interest (riba). Here's how it works.
Structures
How Shariah-compliant bridging is structured
Lease-based
Ijarah
The provider owns the asset and leases it to you for an agreed rental over the term. At the end, ownership transfers to you, typically on sale or refinance.
Shared ownership
Diminishing Musharaka
You and the provider co-own the property. Over the term you buy out the provider's share, paying rent on the portion you don't yet own, until full ownership is yours.
Comparison
Conventional vs Islamic bridging
Conventional bridging
- Interest charged on borrowed money
- Interest can roll up or compound
- Lender's return is tied to time and debt
- Penalties may increase total cost
Islamic bridging
- Asset-backed: finance is tied to real property
- Profit margin or rent agreed in advance
- No compounding interest
- Transparent terms set out from the outset
Suitability
Suitable use cases
- Auction purchases with tight completion deadlines
- Buying and refurbishing residential investment property
- Light and heavy refurbishment projects
- Releasing equity from a portfolio
- Bridging to sale or long-term refinance
Eligibility
Typical criteria
- Investment or commercial property in Scotland, England or Wales
- Individuals, limited companies, SPVs and partnerships
- A clear, credible exit strategy
- Not for owner-occupied residential homes
- Final eligibility determined by the provider
FAQs
Frequently asked questions
Is Islamic bridging only for Muslim investors?+
No. Shariah-compliant finance is available to anyone who meets the provider's criteria. Many investors choose it for its transparency and ethical approach.
How quickly can finance complete?+
Timescales depend on the provider, valuation and legal work. Bridging is designed for speed and is commonly used for auction purchases.
Can I use it to buy my own home?+
No. We introduce non-regulated finance for investment and commercial purposes only, not for owner-occupied residential property.
Is it more expensive than conventional bridging?+
Not necessarily. Pricing is set by the provider and is often competitive. The profit margin is agreed upfront, so costs are clear.
Do you lend the money?+
No. We are an introducer. We assess your requirements and introduce you to specialist providers, who set all eligibility, terms and pricing.
Have a Property Opportunity in Mind?
Tell us about your acquisition, refurbishment or refinance. We'll review your requirements and introduce you to a suitable Shariah-compliant finance provider.