Halal Finance, Simplified.

What is halal finance?

Halal finance refers to financial products built to the principles of Islamic commercial law. In practice that means avoiding riba (interest), gharar (excessive uncertainty), and investment in industries such as alcohol, gambling and adult content. Instead, returns come from real economic activity — shared ownership, leasing, trade and profit-sharing.

What makes a mortgage Sharia-compliant?

A conventional mortgage charges you interest to lend you money. A Sharia-compliant home purchase plan works differently:

• Diminishing Musharaka: you and the bank jointly buy the property. You pay rent on the share you don't yet own and gradually buy out the bank's share over the term.
• Ijara: the bank buys the property and leases it to you. At the end of the term, ownership transfers fully to you.

In both structures, the bank owns a real asset and earns a real return — not interest on a loan.

Why Mizan exists.

For too long, finding halal finance in the UK has meant trawling through provider websites, half-translated jargon, and forum threads. Mizan brings it all into one place: clear comparisons, plain English, and only products from FCA-regulated providers approved by recognised Sharia Supervisory Boards.

We're independent. Some providers may pay us if you apply through Mizan — that never changes which products we show, how we rank them, or what we say about them.