The Islamic Mortgage alternative
Buy a home with just a 5% deposit and no interest, no mortgage and no fees
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This is a great scheme that allows you to get on the property ladder with as little as a 5% deposit, and with no interest which for us as Muslims is such a blessing.
Mara, homeowner with Wayhome.
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No interest, no debt
If you want to become a homeowner, while respecting your beliefs, it might feel like you only have a few options to choose from.
But what if you don't want an Islamic mortgage? Or you can't save a large deposit to make one work?
We believe everyone should have more choices when it comes to buying a home.
That's why we created Gradual Homeownership.
It's the new Shariah compliant, no interest and no debt alternative to an Islamic mortgage.
Why Wayhome
Only 5% min. deposit
You bring the 5%, we pay for the remaining 95%*.
*£7,500 min. deposit and £24,000 min. household income.
Flexible ownership
Only pay rent on the part of the home you don’t own yet.
Buy more each month or in lump sums. Buy us out when you can.
Buy a home worth up to 10x your income
We look at what you can afford differently—you could end up in a home worth up to 10x your income.
Live debt-free and avoid paying interest
We buy with you, so there’s no mortgage, no loan and no interest.
We’re also a certified Shariah compliant option.
Gradual Homeownership is Shariah compliant
Gradual Homeownership is certified as Shariah compliant by Amanah Advisors.
Our Certification
As seen on Islam Channel's The Halal Money Show
Islam Channel
How Gradual Homeownership works
You buy the bit you can afford
We pay for the rest
The house is paid for in full
So you don’t need a mortgage
You pay rent on the bit you haven't bought yet
At fair market value of the home
The home is yours to make your own
Nobody can ask you to leave
Buy more each month or in lump sums
The more you buy, the less rent you pay
What makes Wayhome different
No interest
We never charge you any interest.
No mortgage
You don't borrow any money, we're completely mortgage-free.
No debt
We buy the home with you, so you're not in any debt.
Costs split fairly
We split buying and ownership costs with you.
As seen on Islamic Finance Guru
We can help you find a home, too.
We're a new option if you're looking for a Shariah-compliant way to get on the property ladder.
Sign up and see what you can afford with Wayhome.
Sign UpWayhome—when the other home buying alternatives don’t work for you.
Forced to save for a massive deposit?
With us, not anymore.
Are you self-employed?
You’re welcome here.
Need a Shariah-compliant option?
We’ve got it.