• Your Home, Your Way

    Find the home you love and we'll convert it into part buy - part rent
    Apply today
  • Shariah approved 
    home ownership!

    Your Home is a Shariah approved way to buy your home
    Find out more

What is Your Home?

Your Home is about helping you onto the property ladder, without you compromising on size, style or location to achieve home ownership. 

Put simply, Your Home provides the opportunity for you to own and live in the house* you really love, in the area that you choose, by only buying part of it.

Your Home works in partnership with estate agents across England to turn existing properties already for sale into part buy – part rent.

* The home must be a freehold property that is at least one-year old and previously occupied and have an EPC rating of at least D. A RICS Level 2 Home Buyers Report must be completed at the expense of the buyer (prior to exchange), the valuation must be in line with the purchase price agreed. There must be no serious safety issues highlighted or anything that could cause severe long-term damage for the buyer or the property (eg. damp, mould or subsidence).

Your Home - helping you on to the property ladder

How does Your Home work?

Find the home you love and we’ll do the work to convert it into part buy part rent*. 

Choose a share you can afford, with shares up to 75% available and a minimum share of 25% (which is a cash deposit) and pay a monthly rent on the part you don’t buy.

Please note, your initial share (minimum of 25%) must be purchased in cash. 

* The home must be a freehold property that is at least one-year old and have an EPC rating of at least D. A RICS Level 2 Home Buyers Report must be completed at the expense of the buyer (prior to exchange), the valuation must be in line with the purchase price agreed. There must be no serious safety issues highlighted or anything that could cause severe long-term damage for the buyer or the property (eg. damp, mould or subsidence).

Example

Buying a 50% share of a £200,000 home with Your Home would look like this:

A 50% share would be:

£100,000

You need a minimum cash deposit of 25%

£50,000

The remaining 25% can be purchased with or without a mortgage

£50,000

You will pay a monthly rent on the share you don't buy

£408/pm

Part Buy - Part Rent - Deposit

Who is eligible?

We're doing away with income restrictions and limits on what kind of property you can purchase to offer a part buy – part rent solution that caters to the movers and shakers out there. 


As long as you are buying a property* available on the second-hand market as a freehold, and you plan to live in it as your main and only residence – Your Home can expand your opportunities.


* The home must be a freehold property that is at least one-year old and have an EPC rating of at least D. A RICS Level 2 Home Buyers Report must be completed at the expense of the buyer (prior to exchange), the valuation must be in line with the purchase price agreed. There must be no serious safety issues highlighted or anything that could cause severe long-term damage for the buyer or the property (eg. damp, mould or subsidence).

Your Home - Who is eligible
Your Home - couple relaxing in their new home

For now and for the future

With a part-buy, part-rent solution, many people find themselves in the position of looking for the homes they truly want, not what they can afford outright. 


Like with a mortgage, you will pay a fixed monthly amount. This is your rent and is paid on the percentage of home that you have not bought through your initial share. Unlike a mortgage, the rent is linked to inflation through the Retail Price Index (RPI), not interest rates.


As your personal income and savings grow over time, you're free to up the percentage of the property that you own, gradually increasing your initial share and decreasing the percentage you pay rent on.

Trustpilot 5 stars
"The best Shariah compliant housing scheme in the market"
Rishad - Trustpilot


Your Home, your value.

Any freehold property in the market

No more restrictions. No more looking at certain new builds in certain towns. With Your Home, the choice is yours.


Search the market, speak to estate agents, view the properties you want*.


* The home must be a freehold property that is at least one-year old and have an EPC rating of at least D. A RICS Level 2 Home Buyers Report must be completed at the expense of the buyer (prior to exchange), the valuation must be in line with the purchase price agreed. There must be no serious safety issues highlighted or anything that could cause severe long-term damage for the buyer or the property (eg. damp, mould or subsidence).

Freehold property

Benefit from the increase in value

If you sell the property you will be entitled to the full value of the share you bought, as well as 50% of the value increase on the share you didn't buy initially – potentially helping you reach that next rung on the property ladder.

Increase in property value

Increase your share at your pace

You retain the right to buy more – or all – of the property at any time. If the property has gone up in value, you will be entitled to a discount on your share purchase of 50% of the value increase.


Whether you're just getting started on the property ladder, or you're considering a step up. Your Home offers a product designed to expand your choices.

Staircasing to a larger share
Your home - Open the door to your dream home

Are you ready to open the door to your dream home?

APPLY TODAY
or

Speak to us at:  020 3744 0408