Buy together
You fund your deposit; the bank funds the remaining share. The property is held in partnership from day one - no loan, no interest.
Shariah-compliant property finance
Property finance without interest.
Advice without compromise.
19 Capital arranges Shariah-compliant buy-to-let, bridging and refinance facilities for UK property investors - independent, CeMAP-qualified advice, structured around partnership rather than debt.
Diminishing Musharakah
A partnership that ends with you owning everything
A purchase plan replaces an interest-bearing loan with a co-ownership agreement. You and the bank buy the property together - then, month by month, it becomes yours.
Rent, not interest
Your monthly payment combines rent on the bank’s share with an acquisition payment. On a buy-to-let, your rental income does the heavy lifting.
Own it outright
Every payment shifts ownership towards you. At the end of the term - or sooner, if you accelerate - the property is entirely yours.
How your ownership grows
Year 8 of 25Your share - 46%Bank’s share - 54%
Illustration based on a 20% initial share over a 25-year plan, shown linearly for clarity. Actual acquisition schedules vary by provider and product - we’ll model your exact figures during your consultation.
What we arrange
Finance for serious property investors
From a first buy-to-let to a portfolio refinance to a twenty-eight-day auction completion - every structure we recommend is certified Shariah-compliant.
Buy-to-Let Purchase Plans
Grow a rental portfolio the halal way. Diminishing musharakah structures for individual landlords, expats and limited companies - assessed on rental cover, not interest.
Start an enquiry →Bridging Finance
Short-term, Shariah-compliant funding for auction purchases, refurbishments and chain breaks - speed and certainty, without a rolled-up interest bill.
Start an enquiry →Refinance
Release equity, exit a bridge, or move away from a conventional mortgage - for a single unit or an entire portfolio - without compromising on cost or compliance.
Start an enquiry →Buying a home to live in? We arrange residential home purchase plans too - get in touch.
Our panel
Partnered with the UK’s Islamic banks
We work directly with the UK’s Shariah-compliant providers, from specialist buy-to-let and bridging houses to Islamic banks. One adviser, comparing the whole panel for you: more products, sharper pricing, and a structure that fits the deal.
Offa
Al Rayan Bank
Gatehouse Bank
Nomo
StrideUp
Al Habib Bank
Beneco Finance
Our lender panel continues to grow - new partnerships will be announced in due course.
Fahmi
Founder & AdviserYour adviser
Qualified advice, given personally
19 Capital was founded on a simple belief: Muslim property investors – and anyone who wants finance built on partnership rather than debt – deserve advice delivered with the highest standards of professionalism, integrity and care.
Every client works directly with a CeMAP-qualified adviser. We compare the whole Shariah-compliant market, explain each structure in plain English, and stay with you from decision in principle to completion day.
CeMAP QualifiedShariah-Compliant PanelWhole-of-Market Approach
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Request a consultation
Tell us a little about the deal or the portfolio. Initial consultations are without obligation, and we’ll respond within 3 working days.
Prefer email? Write to fahmi@19capital.co.uk