Global Mortgage Data
Conventional vs Islamic.
One Table. Every Market.
The world's first side-by-side comparison of conventional and Islamic mortgage providers across 8 global markets. Filter by country, type, and LTV to find your best option.
| Provider ↕ | Country ↕ | Type | Structure | Rate ↕ | Max LTV ↕ | Fixed Terms | FTB | BTL | Link |
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Is Islamic Finance More Expensive? The Data.
The single most important question for faith-conscious buyers is whether choosing an Islamic mortgage means paying a premium. The answer, in 2026, is: barely, and in some markets, not at all.
🇬🇧 United Kingdom
Al Rayan Bank's 5-year fixed rate (5.14%) sits approximately 0.25–0.40% above Barclays (4.74%) and HSBC (4.74%). On a £300,000 mortgage over 25 years, this equates to roughly £50–80/month. For many buyers, this is an acceptable premium for full Shariah compliance. Gatehouse Bank (5.09%) is even closer to the conventional market.
🇺🇸 United States
Guidance Residential's rate (6.99%) is approximately 0.14–0.24% above Rocket Mortgage (6.75%) and Chase (6.85%). The gap is narrower in the US than the UK, making the Islamic option highly competitive. On a $500,000 home, the monthly premium is typically under $100.
🇦🇪 UAE
Dubai Islamic Bank (4.29%) is actually cheaper than HSBC UAE (4.49%). Islamic banks in the UAE are the dominant providers and compete aggressively on price. There is no meaningful premium for choosing Islamic finance in the UAE.
🇲🇾 Malaysia
Maybank and Maybank Islamic offer the same base rate (4.00%). In Malaysia's dual-banking system, Islamic and conventional products are priced identically at most major banks. There is zero premium for Islamic finance in Malaysia.
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