Buying a home in accordance with your faith

Our Islamic home finance facilities (Islamic Personal Home Purchase Plan and Islamic Buy to Let Purchase Plan), are built upon morally-binding promises between the customer (you) and the investor (UBL UK) under the principle of Diminishing Musharaka. We establish a partnership of mutual consent for the joint ownership of a property and rent our share out to you. You eventually become sole owner once all of the acquisition payments have been made.

To find out more, contact us on 0121 753 6000 to book a no obligation appointment with one of our Community relationship Managers, or visit

Islamic Home Finance

Islamic Home Purchase Plans

The UBL UK Islamic Home Purchase Plan is for self-occupancy only and is only available to UK residents. Subject to affordability, eligibility and relevant checks.

  FTV Rental Rate Minimum Finance Amount  Administration Fee Early Repayment Charges  
Islamic Home Purchase Plan (Self Occupancy) - Variable 80% 3.75% Variable £100,000 minimum finance amount 0.50% of the finance amount No ERC Find out more
Islamic Home Purchase Plan (Self Occupancy) - Variable 70% 3.60% Variable £100,000 minimum finance amount 0.50% of the finance amount No ERC Find out more
Islamic Home Purchase Plan (Self Occupancy) - Variable 60% 3.50% Variable £100,000 minimum finance amount 0.50% of the finance amount No ERC Find out more

Islamic Buy To Let

Our Islamic Buy To Let Purchase Plans offer a Shari'ah compliant way to manage a small property portfolio for UK Residents. Maximum total property portfolio size of 4 properties to be eligible to apply.

  FTV Rental Rate Minimum Finance Amount Administration Fee Early Repayment Charges  
Islamic Buy to Let Purchase Plan (UK Residents Only) - Variable 70% 4.10% Variable £100,000 minimum finance amount 0.50% of the finance amount No ERC Find out more
Islamic Buy to Let Purchase Plan (UK Residents Only) - Variable 60% 3.75% Variable £100,000 minimum finance amount 0.50% of the finance amount No ERC Find out more

Staying safe online

We are aware that financial services companies may be targets for people seeking to fraudulently obtain login information. To protect yourself online, it is important that you check you are on the right website before entering login information. Please look out for the lock symbol next to the website URL to ensure that you are using an genuine and encrypted site. If you are not sure you are using a genuine UBL UK website, please call us on 0121 753 6000 Monday to Friday from 9:15am to 5:15pm. 

The sites managed by UBL UK are as follows: www.ubluk.com, www.netbanking.ubluk.com and www.ubluknetremit.com. You should see these URL's and the lock symbol in your browser header.