Islamic / Sharia-Compliant Mortgage

Islamic Mortgage Solutions — Sharia-Compliant Home Finance Across All Property Types

For buyers seeking Sharia-compliant financing, the UAE offers a mature Islamic banking sector with dedicated home finance products available through Emirates Islamic, Dubai Islamic Bank, Abu Dhabi Islamic Bank, and others. These products comply with Islamic finance principles and are regulated by the UAE Central Bank under the same LTV and DBR guidelines as conventional mortgages.

Findirect's advisors hold experience across all three primary Islamic home finance structures and will recommend the product that best fits your property type, income structure, and financial objectives — without you having to negotiate directly with multiple banks.

Islamic Finance Structures We Arrange

Murabaha (Cost-Plus Sale)

The bank purchases the property and sells it to you at an agreed price (cost + profit margin), payable in instalments. Ownership transfers immediately. No interest is charged — the profit margin is fixed at inception.

Diminishing Musharaka (Declining Co-Ownership)

The bank and client co-own the property. The client pays rent on the bank's share while gradually buying out the bank's ownership stake. Most common Islamic home finance structure in the UAE.

Ijara (Lease-to-Own)

The bank purchases and leases the property to the client. Rental payments are made over the tenure, and ownership transfers at the end of the lease period.

Banks We Work With

• Emirates Islamic Bank
• Dubai Islamic Bank (DIB)
• Abu Dhabi Islamic Bank (ADIB)
• Sharjah Islamic Bank
• Al Hilal Bank