Two ways we can help
Many products are marketed as Islamic, but it is the details inside the contract that decide whether it truly complies. Every service is priced individually, so request a quote and we will reply with a clear fee.
Finance Structures & Contract Models Explained
We explain the common structures in plain language (Ijara ending in ownership, diminishing Musharaka and Murabaha) with a checklist of the points to look for in each.
Request a quoteSharia Review of Your Finance Contract
We review the contract offered by the finance provider and give you a written report with our Sharia observations and the questions worth asking the provider before you sign.
Request a quoteWhat we check in your home finance contract
Our review follows the AAOIFI Sharia standards and covers the clauses that matter most in home finance.
- Ownership of the property and who bears its risk
- Major maintenance and insurance (Takaful) responsibilities
- How the rent or profit is calculated and reviewed
- Late payment charges, and whether they go to charity
- Early settlement terms
- What happens if the property is damaged or payments are missed
Frequently asked questions
Is Islamic home finance available in the UK?
Yes. Several providers offer home finance based on structures such as Ijara and diminishing Musharaka. We help you understand the contract you are offered from a Sharia perspective.
Can you tell me which bank is best?
No. We do not compare or recommend providers or products. We review the contract you have been offered from a Sharia perspective only.
How long does the review take?
It depends on the length of the contract. We confirm the timescale with your quote before any work begins.
How much does it cost?
It depends on the service and the contract. Request a quote and we will reply with a clear fee.
Important: The Bridge of Wisdom Limited provides Sharia review and guidance only. We do not provide mortgage, home finance or other regulated financial advice, we do not recommend a finance provider, and we do not arrange finance. Financial decisions should be made with the help of an adviser authorised by the Financial Conduct Authority (FCA).