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mortgages

Shari'ah Compliant Islamic Mortgages

We at Portillion Capital Ltd understand how complicated it can be to buy a house let alone arrange an Islamic mortgage to buy it with. Whether you are a first-time buyer, moving house, looking to re-mortgage or buy to let; Portillion Capital aims to help you find the most appropriate Islamic mortgage. With access to most leading UK lenders, we will source the most suitable repayment terms and the most appropriate way to protect your mortgage.

What is an Islamic Mortgage?
There are several ways that Portillion Capital Ltd can structure an Islamic Mortgage or home purchase plan (HPP) so that they are sharia compliant. Some of the products used are explained below.

Ijara works as a leasing arrangement: Portillion Capital Ltd buys something for a customer and then leases it back to them. Different forms of leasing are permissible, including those where part of the instalment payment goes toward the final purchase. This might be used to help you buy a car or other item, or to help a business buy equipment.

Ijara-wa-Iqtina is a similar arrangement, except that the customer is able to buy the item at the end of the contract.

Murabaha works by Portillion Capital Ltd supplying goods for resale to the customer at a price that includes a margin above the costs, and allows them to repay in instalments. This might be used to provide a mortgage on a property. The property is registered to the buyer from the start.

Musharaka is a joint venture in which the customer and Portillion Capital Ltd contribute funding to an investment or purchase and agree to share the returns (as well as the risks) in proportions agreed in advance.

Wakala is an agreement that Portillion Capital Ltd will work as the individual's agent. If a saver enters into this type of agreement, we can use their cash to invest in sharia-compliant trading activities to generate a target profit for them.

Like a traditional mortgage you can put down a deposit and then set a fixed amount to repay every month. Please call us for more information.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
The Financial Conduct Authority does not regulate some forms of mortgages.



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mortgages

Mortgages

We understand how complicated it can be to buy a house. Whether you are a first-time buyer, moving house, looking to re-mortgage or buy to let, we aim to find you find the most appropriate mortgage.

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Ensuring a good standard of living during retirement is a priority for most people when devising a personal financial strategy we understand the importance of making sure these plans are ethical & sharia complaint.

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Islamic Investments

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Making your savings work profitably & practically is the core of any financial portfolio but being a muslim it is also extremly important to make sure that your investments are ethical and Sharia Compliant.

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commercial

Islamic Mortgages

Understanding how complicated it can be to buy a house let alone arrange an Islamic mortgage to buy it with. Whether you are a first-time buyer, moving house, looking to re-mortgage or buy to let.

Find out More >


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Portillion Capital Ltd is registered in England and Wales. Registration No. 08288087.Portillion Capital Ltd is authorised and regulated by the Financial Conduct Authority. FCA No. 597038.

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