Rebusfs.com Reviews

Based on looking at the website, Rebusfs.com appears to be a UK-based mortgage advisory service. They aim to simplify the mortgage process, offering guidance for first-time buyers, home movers, buy-to-let investors, and those looking to remortgage. However, it’s crucial to understand that engaging with conventional mortgage services like Rebusfs.com is generally not permissible in Islam due to the involvement of Riba interest. Riba is explicitly forbidden in Islamic financial dealings, as it is seen as an unjust and exploitative form of gain that destabilizes economic justice and fosters inequality.

While Rebusfs.com positions itself as a helpful intermediary, connecting clients with various lenders and managing applications, the underlying structure of conventional mortgages is built upon interest-bearing loans. This means that borrowing money to purchase a home through this system will inevitably involve paying back more than the principal amount borrowed, a practice deemed unlawful in Islamic jurisprudence. It’s imperative for Muslims to seek out halal alternatives for home financing that align with Islamic principles, ensuring their financial transactions are free from Riba and adhere to ethical guidelines. Choosing to engage with conventional mortgage services, even if they seem convenient or offer “great deals,” ultimately leads to a negative spiritual outcome due to the transgression of a clear divine prohibition.

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Rebusfs.com: A Closer Look at Their Conventional Mortgage Offerings

Rebusfs.com positions itself as a straightforward solution for individuals navigating the complex UK mortgage market.

They highlight their services as a way to find “great deals” and reduce the burden of the application process.

While these aspects might seem appealing from a conventional financial perspective, it’s vital to dissect their offerings through an Islamic lens to understand the inherent impermissibility.

Understanding Rebusfs.com’s Core Service

Rebusfs.com acts as a mortgage broker, meaning they connect individuals seeking to buy property with various lenders. They emphasize:

• “Fee-free no obligation consultation”: This initial engagement might appear harmless, but it’s the gateway to interest-based transactions.
• “We compare different lenders and products”: The products being compared are conventional mortgages, all of which are built on Riba.
• “Let us take care of the application process”: They streamline the process of acquiring an interest-bearing loan.

The fundamental issue is not the brokerage service itself, but the nature of the financial products they facilitate. Abctaxisnorwich.co.uk Reviews

Every mortgage product they mention—First Time Buyer, Home Mover, Buy to Let, and Remortgage—involves borrowing money with interest, which is strictly forbidden in Islam.

The Impermissibility of Riba Interest in Mortgages

Riba is a major sin in Islam.

The Quran and Hadith unequivocally condemn it, describing it as fighting against Allah and His Messenger.

• Quranic Prohibition: Allah says in Surah Al-Baqarah 2:275, “Allah has permitted trade and forbidden interest.” And in 2:278, “O you who have believed, fear Allah and give up what remains of interest, if you should be believers.”
• Hadith Condemnation: The Prophet Muhammad PBUH cursed the one who consumes Riba, the one who pays it, the one who records it, and the two witnesses to it, saying they are all equal in sin.
• Economic Impact: Riba perpetuates wealth concentration, stifles genuine productivity, and can lead to economic instability, ultimately harming society as a whole. It encourages gaining wealth without effort or risk, which is contrary to Islamic principles of fair trade and profit-sharing.

Therefore, even if Rebusfs.com offers a “great deal” in terms of conventional rates, engaging with it means participating in a transaction that is fundamentally impermissible.

Rebusfs.com Pros & Cons Focus on Cons

When evaluating a service like Rebusfs.com, a conventional review might list various benefits. Cheaper-online.co.uk Reviews

However, from an Islamic perspective, the overwhelming “con” overshadows any perceived “pros.” The primary and most significant drawback is its fundamental incompatibility with Islamic financial principles due to its reliance on Riba interest.

Overwhelming Cons: The Riba Factor

The core service of Rebusfs.com is facilitating conventional mortgages, which are inherently interest-based.

This single factor renders the service impermissible for Muslims.

• Violation of Islamic Law: Directly contradicts clear Quranic verses and Prophetic traditions forbidding Riba.
• Spiritual Harm: Engaging in Riba is considered a grave sin in Islam, carrying severe warnings in both this life and the hereafter. It taints one’s earnings and life.
• Moral Compromise: It requires compromising one’s religious principles for worldly gain, which is a dangerous path.
• No Real “Deal”: Any perceived financial saving or convenience offered by Rebusfs.com is negligible when weighed against the spiritual cost of transacting with Riba. A “good deal” in conventional terms does not make a forbidden act permissible.

Perceived “Pros” from a conventional viewpoint, but still undesirable

For those who do not adhere to Islamic financial principles, Rebusfs.com might present certain advantages:

• Convenience: They promise to handle the “legwork” and simplify a complex process.
• Panel of Lenders: Access to over 50 lenders, potentially offering a wider range of conventional products.
• Personalized Advice: They claim to offer “jargon-free advice tailored to you.”
• Customer Support: Availability of a team throughout the process.
• Online Portal: For document management and application tracking.
• Free Consultation: An initial no-obligation discussion.

However, these points become irrelevant for a Muslim seeking to adhere to their faith, as they are all features of a system built on Riba. Laudshawarma.com Reviews

The convenience of engaging in a forbidden act does not make it permissible.

Seeking Halal Alternatives for Home Financing

Given the impermissibility of conventional mortgages, Muslims are obligated to seek out halal permissible alternatives for home ownership.

These alternatives are structured to avoid Riba and align with Islamic commercial laws.

Islamic Home Financing Models

The most common Islamic home financing models include:

• Murabaha Cost-Plus Financing:
  • How it works: The Islamic bank buys the property outright and then sells it to the customer at a pre-agreed higher price, payable in installments. There is no interest charged. the profit is derived from the sale of the asset.
  • Key features: The price is fixed from the outset, and there are no fluctuating interest rates. Ownership transfers to the customer once all installments are paid.
  • Example: Bank purchases a £300,000 home. It then sells it to the customer for £350,000, payable over 25 years. The £50,000 is the bank’s permissible profit.
• Musharakah Mutanaqisah Diminishing Partnership:
  • How it works: The Islamic bank and the customer jointly purchase the property as partners. The customer then gradually buys the bank’s share of the property over time through monthly payments, which include a component for purchasing equity and a component for rent using the bank’s share of the property.
  • Key features: Ownership gradually shifts to the customer. This model resembles a rental agreement with an option to purchase. The rent component may vary, reflecting market conditions, but it’s not interest.
  • Example: Bank and customer jointly own a property, e.g., 80% bank, 20% customer. Customer pays a monthly amount to buy more of the bank’s share and pays rent on the bank’s remaining share. Over time, the customer’s equity increases, and the bank’s decreases until the customer owns 100%.
• Ijarah Leasing:
  • How it works: The Islamic bank purchases the property and leases it to the customer for a specified period. At the end of the lease term, ownership is transferred to the customer either through a gift, a separate sale, or as part of the lease agreement.
  • Key features: The customer pays rent for the use of the property. The lease agreement typically includes a promise to sell or transfer ownership at the end.
  • Example: Bank buys a property and leases it to the customer for 20 years. Monthly payments are rent. After 20 years, the property is transferred to the customer.

Benefits of Halal Home Financing

• Sharia Compliance: Ensures all transactions are permissible and blessed by Allah.
• Ethical Framework: Promotes justice, fairness, and risk-sharing, unlike interest-based lending which shifts all risk to the borrower.
• Peace of Mind: Provides spiritual tranquility knowing one’s financial dealings are in line with one’s faith.
• Community Support: Strengthens the Islamic finance ecosystem, encouraging more Sharia-compliant options.

How to Find Halal Mortgage Alternatives

Finding permissible home financing requires proactive research and engagement with specialized institutions. Nzf.org.uk Reviews

Researching Islamic Finance Institutions

• Dedicated Islamic Banks: Look for banks that are explicitly Sharia-compliant and offer home financing products. These banks have Sharia boards to ensure their operations meet Islamic legal requirements. Examples in the UK include Al Rayan Bank.
• Conventional Banks with Islamic Windows: Some conventional banks may have “Islamic windows” or departments that offer Sharia-compliant products. However, due diligence is essential to ensure these windows are genuinely compliant and not just re-packaged conventional products.
• Financial Advisors Specializing in Islamic Finance: Seek out financial advisors or brokers who specialize in Islamic finance. They can guide you through the permissible options and help you navigate the process.

Key Questions to Ask

When evaluating any home financing option, ask critical questions to ensure Sharia compliance:

• Is there any interest Riba involved?: The answer must be a clear “No.”
• What is the underlying contract e.g., Murabaha, Musharakah, Ijarah?: Understand the specific Islamic contract being used.
• Who owns the property at each stage?: In true Islamic financing, the bank or financier must own the asset before selling or leasing it to the customer.
• How is profit generated?: It should be from a legitimate trade or partnership, not from lending money.
• Is there a Sharia supervisory board?: A reputable Islamic financial institution will have a board of scholars overseeing its operations to ensure compliance.
• What are the fees and charges?: Ensure all fees are transparent and permissible, not hidden interest.

By diligently seeking out and utilizing these halal alternatives, Muslims can achieve home ownership while remaining steadfast in their faith, fulfilling the divine command to avoid Riba.

Rebusfs.com Pricing

Rebusfs.com explicitly states that their initial consultation is “Fee-free no obligation.” This suggests that their primary revenue model likely comes from commission fees paid by the lenders they refer clients to, rather than direct charges to the client for their advisory services.

Understanding the “Fee-Free” Approach

• Brokerage Model: Many mortgage brokers operate on a commission-based model. When they successfully place a client with a lender, the lender pays them a commission. This is a common practice in the conventional financial industry.
• Transparency: While the initial consultation is free, it’s important to understand that the “free” service is ultimately incentivized by the potential commission. While this is standard business practice in the conventional world, it means their service is linked to the outcome of securing a loan, which, in this case, is an interest-bearing one.

Hidden Costs Not Directly Charged by Rebusfs.com, but Inherent to Mortgages

Even if Rebusfs.com doesn’t charge you a direct fee, engaging with them for a conventional mortgage will inevitably incur significant costs associated with the Riba-based loan:

• Interest Payments: This is the largest and most problematic cost. Over the lifespan of a 25- or 30-year mortgage, the total interest paid can often equal or even exceed the original principal amount, effectively doubling the cost of your home. For example, a £200,000 mortgage at 5% interest over 25 years could incur over £175,000 in interest alone.
• Arrangement Fees: Lenders often charge fees for setting up the mortgage.
• Valuation Fees: Fees for valuing the property.
• Legal Fees: Costs associated with solicitors for conveyancing.
• Early Repayment Charges: Penalties if you pay off your mortgage before the agreed term.
• Product Fees: Fees for specific mortgage products.

These costs, particularly the interest, are the core reason why conventional mortgages are impermissible. Imray.com Reviews

The “fee-free” advice from Rebusfs.com is merely a gateway to these extensive and forbidden expenditures.

Rebusfs.com vs. Halal Mortgage Providers

A direct comparison between Rebusfs.com and halal mortgage providers highlights the fundamental ideological and operational differences that define their permissibility.

Rebusfs.com: The Conventional Model

• Purpose: To connect borrowers with conventional lenders offering interest-based mortgages.
• Financial Basis: Riba interest. Their business thrives on facilitating loans where money is exchanged for more money over time.
• Risk Allocation: All the risk of repayment and interest rate fluctuations is borne by the borrower.
• Ethical Stance: Operates within the conventional capitalist framework where interest is a legitimate profit mechanism.
• Target Audience: Anyone seeking a mortgage, regardless of religious adherence.
• Legal Scrutiny: Governed by secular financial regulations e.g., FCA in the UK that permit interest.

Halal Mortgage Providers: The Islamic Model

• Purpose: To provide home financing solutions that strictly adhere to Sharia principles, avoiding Riba.
• Financial Basis: Asset-backed transactions, trade, partnership, and leasing e.g., Murabaha, Musharakah Mutanaqisah, Ijarah. Profit is derived from legitimate economic activities, not from lending money.
• Risk Allocation: Risk is shared between the financier and the customer, reflecting true partnership. For instance, in Musharakah, the bank shares in the ownership and thus, shares some risk.
• Ethical Stance: Grounded in Islamic economic ethics, emphasizing justice, fairness, and societal well-being.
• Target Audience: Primarily Muslims seeking Sharia-compliant financing, but open to anyone seeking ethical finance.
• Legal Scrutiny: Governed by both secular financial regulations and a dedicated Sharia supervisory board which ensures adherence to Islamic law.

Key Differentiating Factors

Feature	Rebusfs.com Conventional	Halal Mortgage Providers Islamic
Core Principle	Lending money for interest Riba	Trade, partnership, leasing. asset-backed transactions
Source of Profit	Interest on loans	Profit margin on a sale, share in partnership, rent on an asset
Ownership	Borrower owns property immediately. bank holds mortgage	Bank/financier owns part of asset until fully paid or leased
Risk	Primarily on borrower interest rate risk, repayment	Shared between financier and customer
Ethical Basis	Conventional financial ethics	Islamic economic ethics justice, fairness, social responsibility
Permissibility	Impermissible Haram for Muslims	Permissible Halal for Muslims

The fundamental distinction lies in the underlying financial contract and its adherence to Islamic law.

While Rebusfs.com might be efficient in a conventional sense, it cannot be considered an option for a Muslim seeking permissible means of acquiring a home.

The Story Behind Rebusfs.com and the Islamic Perspective

Rebusfs.com introduces its founders, Neezam and Lee, as “two Peterborough lads” who met at school and later reconnected in the mortgage brokerage industry. Salesforce.com Reviews

Their stated mission is to “help you buy your dream home” and to “make sense of mortgages.” From a purely secular business perspective, their narrative of simplifying a complex market and providing personalized service is designed to build trust and attract clients.

Their Narrative: “Mortgages Made Simple”

The website emphasizes the confusing nature of the mortgage market, with terms like “LTV, fixed-rate, variable rate, base rate.” Their solution is to act as “mortgage experts so that you don’t have to be.” They promise to:

• Search a panel of over 50 lenders.
• Find deals that suit you and your budget.
• Answer all your questions.
• Work with your solicitor, estate agent, and other parties.
• Provide a secure online portal for documents and progress tracking.
• Offer regular reviews of your mortgage and protection needs.

This “simplification” and “expertise” are offered within the framework of conventional, interest-based financing.

While their intentions might be to genuinely assist people in navigating a challenging system, the system itself is problematic from an Islamic viewpoint.

The Inherent Problem: Systemic Riba

The “story behind our business” and their desire to “help” individuals buy homes, while seemingly benevolent, operates entirely within a financial paradigm that is forbidden in Islam. Rapidfunds.co Reviews

The fundamental flaw is not in their service quality or customer care, but in the nature of the product they facilitate.

• Normalization of Riba: By making conventional mortgages “simple” and accessible, they inadvertently normalize and facilitate engagement with Riba, which is a major sin.
• Lack of Halal Options: Their service, by its very nature, does not offer any Sharia-compliant alternatives. Their panel of 50+ lenders would be conventional institutions, not Islamic finance providers.
• Misguidance for Muslims: For a Muslim who might stumble upon Rebusfs.com, the convenience and friendly approach could be deceptive, leading them into a transaction that is impermissible without realizing the gravity of Riba.

Therefore, while their narrative aims to be relatable and helpful, it serves to draw individuals into a financial system that is incompatible with Islamic principles.

The best “help” for a Muslim in this context is to guide them towards truly permissible and ethical means of home ownership.

How to Avoid Rebusfs.com and Similar Conventional Mortgage Services

For a Muslim, the most straightforward advice is to avoid Rebusfs.com and any similar conventional mortgage advisory services entirely.

The initial “free consultation” might seem harmless, but it’s the first step into a system built on Riba. Junk.com.au Reviews

Proactive Measures to Avoid Conventional Mortgages

• Educate Yourself: Understand the profound prohibition of Riba in Islam and the principles of Islamic finance. This knowledge will serve as a strong deterrent against engaging with impermissible financial products.
• Seek Out Islamic Finance Institutions: Before even considering properties, identify and research legitimate Islamic banks or financial institutions in your region that offer Sharia-compliant home financing.
• Consult Islamic Scholars: If you have any doubts or questions about a financial product, consult with a qualified Islamic scholar or an expert in Islamic finance.
• Prioritize Halal over Convenience: The conventional market might seem more convenient or offer “better rates” in the short term, but the spiritual and moral implications of Riba far outweigh any perceived benefit.
• Budgeting and Saving: If Islamic financing options are limited or not immediately accessible, focus on saving diligently to reduce the need for borrowing or to qualify for better terms with halal providers. Explore rent-to-own options if available and structured permissibly.
• Focus on Needs vs. Wants: Sometimes, the desire for a specific property or a rapid purchase can push individuals towards impermissible means. Prioritize what is permissible and necessary over what is merely desired.

What to Do If You Encounter Such Services

• Politely Decline: If you encounter marketing or direct offers from Rebusfs.com or similar services, politely but firmly decline.
• Direct to Halal Alternatives: If appropriate, and you feel comfortable, you could even inform them that you are seeking Sharia-compliant financing, which might, in the long term, encourage more institutions to offer such options.
• Share Knowledge: Educate your Muslim friends and family about the dangers of Riba and the availability of halal alternatives, so they too can make informed and permissible choices.

Ultimately, navigating the housing market as a Muslim requires diligence and a steadfast commitment to Islamic principles.

Avoiding conventional mortgage brokers like Rebusfs.com is a crucial step in ensuring your financial dealings remain blessed and permissible.

The Permanent Impermissibility of Conventional Mortgages and Their Services

Unlike a subscription that can be canceled, the impermissibility of conventional mortgages, and by extension, services like Rebusfs.com, is permanent and intrinsic to their nature. There is no “canceling” the underlying Riba, as it is foundational to the product.

No “Cancellation” of Riba

• Inherent Flaw: The issue is not with a particular feature or term that can be opted out of. it’s the core structure of charging and paying interest on borrowed money that makes it forbidden.
• Not a Temporary Issue: Riba is not permissible under certain conditions or for a limited time. Its prohibition is absolute and applies to all forms of interest-based transactions.
• No “Free Trial” of Haram: There is no such thing as a “free trial” for a forbidden act. Engaging in any part of a Riba-based transaction, even an initial consultation with a conventional broker that leads to an interest-bearing loan, is a step towards violating a clear divine command.

The Danger of Normalization

Services like Rebusfs.com contribute to the normalization of Riba in society.

By making it seem accessible, beneficial, and even “fee-free” at least initially, they implicitly endorse a practice that is spiritually detrimental. Backroads.com Reviews

For a Muslim, accepting this normalization is a dangerous path.

The Only True “Cancellation”

The only effective “cancellation” for a Muslim is to avoid conventional mortgages entirely and commit to seeking out and utilizing Sharia-compliant financing solutions. This means:

• Rejecting Conventional Offers: Firmly saying no to any conventional mortgage offer, regardless of how attractive it may seem.
• Embracing Halal Options: Actively pursuing Islamic banks and financial institutions that provide permissible home financing.
• Patience and Perseverance: Understanding that the halal path might sometimes require more effort or patience, but the spiritual reward and peace of mind are immeasurable.

In essence, the concept of “cancellation” doesn’t apply to the fundamental impermissibility of conventional mortgages.

The wise approach for a Muslim is to never engage with such services in the first place, ensuring their wealth and blessings are acquired through permissible means.

Frequently Asked Questions

Is Rebusfs.com a legitimate company?

Yes, based on checking their website, Rebusfs.com appears to be a legitimate UK-based mortgage advisory service, registered in England and Wales company number 11818481 and an appointed representative of The Openwork Partnership, which is authorized and regulated by the Financial Conduct Authority FCA. However, their services involve conventional mortgages, which are impermissible in Islam. Shift4.com Reviews

Can Rebusfs.com help me get a mortgage?

Yes, Rebusfs.com states they can help you find and apply for a mortgage by comparing offers from over 50 lenders.

However, all the mortgage products they facilitate are conventional, interest-based loans, which are forbidden in Islam.

Is Rebusfs.com suitable for Muslims?

No, Rebusfs.com is not suitable for Muslims because their services involve conventional mortgages, which are based on Riba interest. Riba is strictly prohibited in Islam, making any engagement with such services impermissible.

What is Riba, and why is it forbidden in Islam?

Riba refers to interest or usury.

It is forbidden in Islam because it is considered an unjust and exploitative way of acquiring wealth, promoting financial inequality and debt burdens without genuine economic productivity or shared risk. Britishairways.co.uk Reviews

The Quran and Hadith contain clear prohibitions against it.

What are the alternatives to Rebusfs.com for home financing for Muslims?

Muslims should seek out Sharia-compliant home financing alternatives such as Murabaha cost-plus financing, Musharakah Mutanaqisah diminishing partnership, or Ijarah leasing from Islamic banks or financial institutions that have a Sharia supervisory board.

Does Rebusfs.com charge a fee for their consultation?

No, Rebusfs.com states that their initial consultation is “Fee-free no obligation.” Their revenue likely comes from commissions paid by the conventional lenders they refer clients to.

How does a conventional mortgage work, and why is it problematic in Islam?

A conventional mortgage involves borrowing money from a lender to buy a property, with interest charged on the borrowed amount over the loan term.

This interest is Riba, which is forbidden in Islam, as it means paying more than the principal borrowed without a legitimate trade or partnership. Macdonald.com.au Reviews

Are there any hidden fees with Rebusfs.com?

Rebusfs.com states their consultation is free.

However, while they may not charge a direct fee to the client, the conventional mortgages they facilitate will always involve significant interest payments and various fees arrangement fees, valuation fees, legal fees, etc. charged by the lenders.

What is the process for getting a halal mortgage?

The process for a halal mortgage typically involves selecting a Sharia-compliant financial institution, applying for a specific Islamic financing product like Murabaha or Musharakah, having the institution purchase or co-own the property, and then paying installments which include profit from a sale, rent, or equity purchase until ownership is transferred.

Can I cancel my Rebusfs.com “subscription” or engagement?

Since Rebusfs.com is a brokerage service, there isn’t a “subscription” to cancel in the traditional sense.

However, if you’ve engaged with them for a conventional mortgage application, you should cease the process immediately and communicate your decision to them. Blackwidowexhausts.co.uk Reviews

The true “cancellation” for a Muslim is to avoid initiating such impermissible transactions in the first place.

Is it permissible to use Rebusfs.com’s “free advice” if I don’t take a mortgage from them?

Even using “free advice” for a conventional mortgage system is generally discouraged, as it can indirectly lead one towards forbidden transactions or normalize the concept of Riba.

It’s best to seek advice from Islamic finance experts directly.

What are the dangers of Riba beyond religious prohibition?

Beyond religious prohibition, Riba contributes to wealth inequality, debt traps, economic instability, and inflation.

It is an unproductive form of wealth accumulation that lacks genuine risk-sharing. Hillshiremedia.com Reviews

What is the FCA, and does their regulation make a mortgage permissible?

The FCA Financial Conduct Authority is the regulatory body for financial services firms and financial markets in the UK.

While FCA regulation ensures conventional services operate legally within UK law, it does not make a conventional mortgage permissible from an Islamic perspective, as Islamic law has different criteria for permissibility.

Does Rebusfs.com offer buy-to-let mortgages?

Yes, Rebusfs.com mentions “Buy to Let” as one of their services.

These are conventional mortgages for investment properties and, like other conventional mortgages, involve Riba, making them impermissible for Muslims.

Can I get a Sharia-compliant remortgage?

Yes, just as there are Sharia-compliant options for initial home purchases, there are also halal remortgage solutions available from Islamic financial institutions, structured to avoid Riba. Kmheatingandcoolingplumbers.com.au Reviews

What information does Rebusfs.com collect from clients?

Rebusfs.com’s website mentions collecting information for consultations and application processes, including documents for mortgage applications.

They also mention using cookies for various purposes including marketing, which means they collect browsing data.

Is it permissible for a Muslim to work for Rebusfs.com or similar conventional mortgage companies?

Working directly in roles that facilitate Riba like mortgage brokering or banking for conventional institutions is generally considered impermissible in Islam, as it involves assisting in a forbidden transaction.

Muslims are encouraged to seek employment in halal industries.

How can I verify if a mortgage product is truly Sharia-compliant?

To verify Sharia compliance, ensure the financial institution has a reputable Sharia supervisory board whose scholars audit and approve all products.

Understand the underlying Islamic contract e.g., Murabaha, Musharakah, Ijarah and ensure it aligns with Islamic principles of trade, partnership, or leasing.

What is the ultimate goal of Islamic finance?

The ultimate goal of Islamic finance is to facilitate economic activities that are just, ethical, and beneficial for society, adhering to the principles of Sharia.

It aims to promote real economic growth, equitable wealth distribution, and social welfare, all while avoiding forbidden elements like Riba, excessive speculation, and uncertainty.

Where can I find reputable Islamic financial institutions in the UK?

In the UK, institutions like Al Rayan Bank are well-known for offering Sharia-compliant financial products, including home financing.

It’s advisable to research and consult directly with such institutions or financial advisors specializing in Islamic finance.