Mortgage Centre.
The Complete Picture.
25 providers screened across five countries. Six structural tests applied. Conventional vs Islamic comparison with real numbers, not marketing language. The analysis the industry doesn't want you to read.
Beyond the label.
The mortgage industry uses complexity as a shield. Islamic finance adds a second layer of specialised vocabulary. This section strips both back to what actually matters: what does the product cost, who bears the risk, and is the structure genuinely different from a conventional mortgage?
Six tests. No shortcuts.
Every Islamic home finance product is evaluated against six structural criteria. A product can have a fatwa and still fail the substance test. Marketing claims are irrelevant. Only the contract mechanics matter.
Is the profit rate set independently of conventional interest rate benchmarks like SONIA, SOFR, or the base rate? If it tracks the same benchmark, it is economically identical.
Does the bank genuinely bear property value risk alongside the customer? Fixed buy-out schedules that ignore market value changes are not genuine risk sharing.
Is the lifetime cost comparable to an equivalent conventional mortgage? A premium above 5% over the full term indicates a structural cost penalty.
Is the Shariah supervisory board genuinely independent of the provider? In-house boards employed and paid by the lender face structural conflicts of interest.
Is the product regulated as co-ownership or a lease, rather than a loan? Regulators like the OCC have deemed some structures "functionally equivalent" to secured lending.
Does the structure avoid penalising the buyer with double stamp duty or transfer taxes? The UK resolved this in 2003, but not all jurisdictions have followed.
Read. Calculate. Decide.
Three research articles and an interactive calculator. Everything you need to understand the real economics of home finance, in plain English.
Mortgage Comparison Calculator
Six strategies head to head. Conventional, Islamic Musharakah, overpayment, bi-weekly, offset, and lump sum. Your numbers, real-time results, amortisation schedules.
CalculatorThe True Cost of Your Mortgage
Head-to-head comparison of every major mortgage strategy against a single baseline. Daily cost framework, rate decisions, and the combination approach.
Deep DivePlain-English Glossary
Every mortgage and Islamic finance term explained without jargon. Conventional and Islamic concepts mapped side by side. Searchable and categorised.
GlossaryThe Halal Mortgage Illusion?
25 providers analysed across UK, US, Canada, GCC, and Malaysia. The benchmark problem, the cost premium, and the substance vs form debate. Full provider database.
Special ReportWhat the research found.
UK: 12-22% Premium
On a typical property, UK Islamic home finance costs 12-22% more over the lifetime of the product compared to the cheapest conventional fixed-rate mortgage.
Canada: Up to 37% Premium
The most severe cost premium globally. Products from major Canadian Islamic providers can cost up to 37% more than equivalent conventional mortgages over 25 years.
US: The Exception
Government-backed funding via Freddie Mac keeps the premium to just 0.5-2.0% in the US. The only market where Islamic home finance approaches cost parity.
Overpayment Wins
A simple monthly overpayment of £200 saves more than £38,000 in interest and cuts over five years from the term. The most powerful strategy available.
Informed decisions.
Not marketing.
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