Habib Bank Zurich UK - Sirat Islamic Banking Sirat Income Generating Property Finance

Shariah compliant finance for income-producing property: purchase, refinance or equity release on commercial, mixed-use and residential buy-to-let assets - offices, retail, warehouses, student accommodation, banquet halls, individual BTLs, unlimited-size BTL portfolios and HMOs. Up to 65% of property value, terms up to five years, structured as Diminishing Musharaka (joint purchase with rent and staged acquisition, or rent-only with a lump-sum buyout at term) or Commodity Murabaha. Rates not published; relationship-managed through branches and a national intermediary channel. Not regulated residential mortgages.

This is the workhorse Islamic commercial property product for Britain's diaspora business community - the corner-shop freehold, the HMO portfolio, the banquet hall - written at sensible 65% leverage with a choice of contract structure that respects scholarly diversity. The trade-offs are opacity on price, short five-year paper and no regulatory umbrella. It slots neatly between Gatehouse's retail BTLPPs and AlRayan's institutional CPF desk, and nobody else covers that middle as well. Pricing is branch-and-intermediary negotiated, so bring competing terms from Gatehouse or StrideUp to anchor the conversation.