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Income Generating Property Loans (Commercial)

Finance Your Buy-to-Let Properties

Our Sirat Commercial Real Estate Finance offers you a Shariah-compliant solution for purchasing a commercial or residential Buy-to-Let property, with competitive profit rates and low fees. Our dedicated relationship managers will support you through all stages of the application process and help you get your property at the best value.

Sirat Income Generating Property Finance

Islamic Real Estate Financing Options

Diminishing Musharaka

You purchase the property jointly with the Bank – your deposit is your stake and we fund the rest. You pay rent on the portion that the Bank owns, and gradually acquire the Bank’s share through acquisition payments over the term of the finance agreement. If you choose to pay rent only, you make a lump-sum acquisition payment at the end of the finance term.

Commodity Murabaha

We use a Shariah-compliant financial arrangement that is known as ‘Commodity Murabaha’. The Bank organises all the necessary elements of purchasing and selling commodities to generate liquidity you need to purchase the property.

Achieve Your Real Estate Goals With Shariah-compliant Financing

  • Finance a new property, refinance existing mortgage, or raise funds from existing property (equity release)
  • Avail terms of up to five years
  • Get up to 65% of the property’s value
  • Property types include offices, retail, mixed-use, residential units, warehouses, student accommodation, banquet halls, individual Buy-to-Lets, portfolios of Buy-to-Lets (with no restriction on the number of properties in a portfolio), and Houses for Multiple Occupations (HMOs)

Contact Us

Head Office & Moorgate Branch

Habib Bank Zurich plc
Habib House, 42 Moorgate
London, EC2R 6JJ, United Kingdom

Phone:
0808 1642242

Email us:
customerservice.uk@habibbank.com

  • Customer support is available Monday to Friday, 9:00 am – 5:00 pm, excluding UK bank holidays
  • Calls are charged at service providers’ rates and all calls may be monitored and recorded

Request a Call Back

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