Refinancing
HMO portfolio, Manchester
Twelve HMOs refinanced from multiple lenders onto a single Ijara facility, one relationship in place of many.
- Assets
- 12
- Structure
- Ijara
Private Islamic real estate finance · London
For developers and private clients whose transactions demand structure, discretion and certainty of execution. Sharia-compliant development, bridging and property finance, originated on principle and settled without compromise.
Indicative terms
Buy-to-letIndicative facility
£7,500,000
Indicative only. Not a quote or an offer of finance. Subject to underwriting, valuation and Sharia review.
Indicative figures only. Not a quote, an offer of finance or a guarantee of terms. Subject to underwriting, valuation and Sharia review.
Why Sunnah
Finance built on real assets and shared risk, not on interest. Six principles guide every facility we originate.
Every facility rests on a tangible asset and a genuine transaction.
In practice
We start from the property and the transaction behind it, and the structure follows from them.
Return is earned from real assets and honest trade, never from money itself.
In practice
The structure is built around a sale, a lease or a share in the asset, not a loan that accrues interest.
We share in the venture rather than lend against it. Partnership, not indebtedness.
In practice
We sit alongside you in the venture, with both sides sharing in how the asset performs.
Capital is placed only where conscience allows, in ventures that do good.
In practice
The use of the property is looked at as closely as its value, before anything proceeds.
Terms are documented in full, free of ambiguity and hidden charge.
In practice
You see the full terms in writing up front, with nothing left to be worked out later.
Every structure is reviewed under qualified scholarly supervision.
In practice
Each structure is reviewed by our Sharia advisers before it is put to you.
Our products
From decisive bridging to ground-up development, structured faithfully and funded with conviction.
“Capital that respects your conscience, moved with the speed and confidentiality serious transactions demand.”
The Sunnah Finance principle
Who we are
We provide real estate capital to a discerning clientele, structured faithfully on Islamic principle and handled with the discretion, judgement and standards of a private office.
On capital
London · Singapore · Kuala Lumpur
Our capital is drawn from a select circle of international Islamic family offices, private-equity houses and pension capital, with direct relationships across Singapore and Malaysia. It is patient, principled money, placed by people who understand real estate and value a relationship above a transaction. In the United Kingdom it moves through StrideUp, our retail distribution arm; internationally, deeper capital finds our bespoke, higher-value transactions.
Our work
A sample of recent facilities, originated and funded on Sharia-compliant terms.
Twelve HMOs refinanced from multiple lenders onto a single Ijara facility, one relationship in place of many.
A permitted-development office acquired for conversion to 46 apartments, with the exit into development finance agreed up front.
A nine-unit scheme bridged at practical completion, allowing an orderly sales programme rather than a forced disposal.
A later-living scheme funded ground-up for a specialist operator, structured on Istisna with a forward-sale exit.
Fourteen new-build apartments acquired by a limited company on a diminishing Musharaka, fully let within six weeks.
A single-let logistics asset acquired on Ijara for an overseas investor, assessed against the passing rent.
Facilities are anonymised for client confidentiality. Figures are historic and are no indication of the terms available on a new transaction.
Client voices
Anonymised to protect confidentiality, as our clients expect.
“They understood the deal in one phone call and had terms with us inside two days. The facility completed while others were still asking for documents.”
Developer, North London
Completion facility
“Faith and commerce rarely sit this comfortably together. The structure was sound, the scholars were satisfied, and the numbers spoke for themselves.”
Family office principal, Singapore
Acquisition facility
“As a broker, certainty is everything. The terms are the terms: no re-trading, no surprises, and my client relationship stayed mine.”
Introducing broker, Manchester
Bridging facility
Private real estate
We approach every property with patience, principle and precision — combining timeless real estate value with disciplined Islamic finance.
Start a conversation
By introduction
Present the outline of your requirement and we will return an indicative position, in confidence, within 48 hours.
Request indicative terms