SHARIA FINANCING

YOUR KEY,
HALAL WAY.

Whether it’s Ijara (lease-to-own), Murabaha or Diminishing Musharaka, we compare the UAE’s Islamic banks on profit rate and terms, side by side.

PROFIT RATES FROM

3.75%

PRE APPROVAL

48 HOURS*

BANKS COMPETING

15+

*See our pre-approval terms

ON THE PANEL OF LEADING UAE BANKS

SIXTY SECONDS

Do you qualify? Find out.

No credit score impact · An advisor calls you

Most buyers qualify for more than they expect. An advisor confirms your numbers by WhatsApp or a call.

IS THIS YOU?

You’ll recognise yourself in one of these.

Three sentences we hear every single week. If one is yours, this page was written for you.

“We want to own our home in a way that fits our faith.”

→ A PROFIT RATE, AGREED UP FRONT

“Every bank says its product is Islamic. We can’t tell which structure is right for us.”

→ ONE CALL ANSWERS THIS

“We want one person to tell us the truth about what we can afford.”

→ THAT’S THE WHOLE JOB

THE DIFFERENCE

Same home, same keys. A different contract underneath.

Islamic home finance works through an agreed profit, using structures such as Ijara, Murabaha and Diminishing Musharaka, each approved by the bank’s Sharia board. The monthly figure can look similar; the contract underneath is not. We compare the Islamic banks that fit your profile and explain each structure in plain words before you sign.

HOW WE CAN HELP

Whatever your stage, there’s a route.

Eight ways we can structure Islamic home finance, whatever stage your purchase is at.

Buying a home

You have found the home. Now you need the finance behind it.

New

A ready home bought straight from the developer.

Resale

A ready home bought from its current owner.

Off-Plan

A home still being built, financed through Istisna’a or forward Ijara.

Getting the keys

Your developer is ready to hand over, and the balance is due.

Handover

The balance due when the developer hands over your keys.

Handover + Equity

The handover balance, plus cash released from the same home.

Already own one

The home is yours. Now make it work harder for you.

Equity

Cash released from a home you already own.

Buyout

Your finance moved to a bank with a better profit rate.

Buyout + Equity

A switch of bank and a cash release in one move.

Why go through us?

Why not just walk into a bank?

You could. These are the six things you would be signing up for, and what we do with each one instead.

WHAT’S BEST FOR YOU · NO BANK PLACEMENT FEES

AT A BANK

Fifteen branches. Fifteen sets of paperwork.

One conversation, one file that we carry everywhere.

AT A BANK

The listed profit rate. Take it or leave it.

Profit rates from across the market, matched to you.

AT A BANK

You chase the bank for every update.

We chase everyone. You get a WhatsApp.

AT A BANK

Four to six weeks, if nothing slips.

Approval in principle in 48 hours*.

AT A BANK

Fees you discover at signing.

Every fee agreed before you start.

AT A BANK

Multiple products in every segment, at every bank. Choose from each section.

We narrow them to what suits you better.

Ready?

Make them compete for you.

One call. No obligation, no cost, no pressure.

THE MONEY, UP FRONT

This month’s profit rates.

Refreshed monthly. Your exact rate depends on profile and bank appetite.

1 YEAR FIXED

from 3.75%

Certainty while you settle in.

MOST CHOSEN BY FIRST TIME BUYERS

2 YEARS FIXED

from 3.89%

Longer calm, slightly higher.

3 YEARS FIXED

from 3.99%

Longest certainty on the card.

THE HONEST NUMBERS

Buying costs roughly 7 to 8% above the price: DLD, agent, bank and registration fees. Your monthly payment usually includes life and property Takaful (Islamic insurance). And all charges are disclosed before you commit. Nothing surprises you at signing.

Profit rates are indicative, not offers. Tangerine is an advisory, not a bank.

CALCULATOR

Your numbers, made clear.

Shape the figures to your budget and watch your monthly commitment resolve in real time. No sign-up, no calls.

Property value AED 2,500,000

300K20M

Down payment 25% · AED 625,000

15%60%

Finance term 25 years

5 yrs25

Profit rate 4.20% p.a.

2.5%7%

Monthly instalment AED 10,105

AED 1KAED 120K

Estimated monthly

AED 10,105

per month over 25 years

Finance amountAED 1,875,000

Down paymentAED 625,000

Total profitAED 1,156,551

Total payableAED 3,031,551

Finance amount 62%

Profit 38%

Pre-approval48 hours*

01/05

One call sets all of this in motion.

Not promises. Deliverables, each with a date on it.

15 min

Eligibility, in writing

A real yes/no with numbers.
Day 1

Your true budget

Price plus the ~7 to 8% in fees.
Day 2

Bank shortlist

Three to five Islamic banks that want you.
Day 3

Pre-approval

Your ceiling, fixed.
Week 4

Keys

We’re standing next to you.

HOW IT GOES

Four steps, expertly handled.

Four conversations between this call and your keys. Step through them.

Tell us the dream

Fifteen unhurried minutes. Budget, area, timeline, and what “home” actually means to you.

We compare the banks

We take your profile to our panel of Islamic banks and bring back rates, terms and fees side by side, in plain language.

We handle approval

Paperwork, valuation, follow-ups. We chase the bank so you never have to sit on hold.

Get your keys

Final sign-off, funds released, doors open. We stay on the line right through settlement.

Tap a step to see it

01 / 04

Step 01 · Tell us the dream

SUCCESS STORIES

Stories that end at a front door.

Thank you so much for your relentless effort. I appreciate your professionalism; it’s rare to find these days. You are doing it really well, and yes, many more to come.

Dixon Pereira

Tarun made the entire mortgage process seamless. His honest advice, transparency and constant communication gave us complete confidence from start to finish.

Moheba

Tarun kept us updated without us ever having to chase him, compared offers from multiple banks and explained the pros and cons of each. His honest advice gave us complete confidence. Highly recommended.

Hiba & Mohammed

STILL WONDERING

Answers, minus the fine print.

Anything else? WhatsApp us.

How is Islamic home finance different from conventional finance?

The bank buys the home and either leases it to you until you own it (Ijara), sells it to you at an agreed profit (Murabaha), or owns it with you while you buy out its share (Diminishing Musharaka). You still pay monthly and own the home at the end; the contract underneath is what changes.

Is the profit rate fixed for the whole term?

Usually for an initial period of one to five years, after which it moves with a benchmark such as EIBOR, as a conventional variable rate would. We show you each bank’s fixed period, and what happens after it, before you sign.

Can I move my conventional mortgage to Islamic finance?

Yes. A buyout moves your balance to an Islamic bank, which takes over the property and restructures the finance as Ijara or Murabaha. Check your current bank’s early settlement fee first; we include it in the comparison.

How much deposit do I really need?

As a guide, UAE nationals can finance up to around 85% of the value of a first home and expats up to 80%, the same limits as a conventional mortgage. Budget roughly 7 to 8% on top for DLD, agency, bank and registration fees.

ALSO EXPLORING?

READY WHEN YOU ARE

Let’s get you the keys.

Tell us where you are and an advisor calls you back. No obligation, no pressure.

We provide what is best for you

Nobody here is paid by a bank.

15+ banks

We approach the ones that fit you.

Clear from the start

All charges are disclosed before you commit.

Prefer to talk? +971 50 312 8955

GET A CALL BACK2 MIN

Your details stay with your advisor. Nothing goes to a bank without your go-ahead.

Chat on WhatsApp

SHARIA FINANCING

YOUR KEY,HALAL WAY.

SIXTY SECONDS

Do you qualify? Find out.

IS THIS YOU?

You’ll recognise yourself in one of these.

“We want to own our home in a way that fits our faith.”

“Every bank says its product is Islamic. We can’t tell which structure is right for us.”

“We want one person to tell us the truth about what we can afford.”

THE DIFFERENCE

Same home, same keys. A different contract underneath.

HOW WE CAN HELP

Whatever your stage, there’s a route.

Buying a home

New

Resale

Off-Plan

Getting the keys

Handover

Handover + Equity

Already own one

Equity

Buyout

Buyout + Equity

Why go through us?

Why not just walk into a bank?

WHAT’S BEST FOR YOU · NO BANK PLACEMENT FEES

One conversation, one file that we carry everywhere.

Profit rates from across the market, matched to you.

We chase everyone. You get a WhatsApp.

Approval in principle in 48 hours*.

Every fee agreed before you start.

We narrow them to what suits you better.

Make them compete for you.

THE MONEY, UP FRONT

This month’s profit rates.

CALCULATOR

Your numbers, made clear.

One call sets all of this in motion.

Eligibility, in writing

Your true budget

Bank shortlist

Pre-approval

Keys

HOW IT GOES

Four steps, expertly handled.

Tell us the dream

We compare the banks

We handle approval

Get your keys

SUCCESS STORIES

Stories that end at a front door.

STILL WONDERING

Answers, minus the fine print.

Residential Mortgage

Off-Plan Mortgage

Non-Resident Mortgage

COMMERCIAL

READY WHEN YOU ARE

Let’s get you the keys.

SPEAK WITH AN ADVISOR

Let’s talk it through.

YOUR KEY,
HALAL WAY.