Take your first step onto the property ladder.

Time matters when you’re buying a home. Most people receive their Decision in Principle (DIP) the same working day, and full applications typically reach offer in just over 2 weeks. That means you can search with confidence and act quickly when you find the right home.

With up to 90% finance-to-value, you can access homes without needing a large deposit. This helps first time buyers and families move forward quickly.

Things to think about

• Available subject to affordability, credit history, product criteria and other factors.
• Higher finance-to-value may lead to higher monthly costs.

We’re ready to get started when you’re ready. There’s no waiting list at StrideUp, so once you are approved you can keep moving forward without unnecessary delays.

Our products are certified by Amanah Advisors, an independent shariah advisory firm. Each certification is reviewed and maintained to ensure our products continue to meet Islamic principles. You can move forward with confidence knowing your home finance remains faith-aligned at every stage.

Things to think about

• Certification is reviewed regularly to ensure continued compliance.
• The shariah advisory firm operates independently to uphold standards and integrity.
• If a product changes, it is reassessed for ongoing shariah compliance.

Whether you are buying with a spouse, family members or friends, we make it simple to apply together. Up to four applicants can combine incomes to open up more options, making larger or more suitable homes accessible.

Things to think about

• For Home Purchase Plans, at least one applicant must intend to live in the property.
• Affordability is assessed across combined incomes, and credit checks apply to every applicant.

With a minimum 10% deposit¹, you can start your journey to ownership. That deposit immediately becomes your equity in the property.

Things to think about:

• A higher deposit may reduce your monthly costs.
• StrideUp accepts gifted deposits, including up to 100% of the amount. Gifts are not limited to immediate family, so support from wider family or community can help first-time buyers take their first step. This provides more flexibility compared to many high street lenders. This is subject to criteria.
• Deposits can come from savings, gifted funds (from family or friends), or the sale of another property. We’ll ask for documents like bank statements or a gifted deposit declaration as proof.
• ¹Subject to status and criteria.

Real life may not be one neat salary, so we take a broader view. From second jobs to pensions, benefits and allowances, we consider a wide range of income sources to give you more options.

Things to think about

• We can consider 100% of second job income where it is PAYE, and you have been in both roles for at least six months.
• Zero hour contract income can be included if you have worked in the same industry for at least 12 months and it is not the primary source of income.
• Other accepted income types may include pensions, maintenance payments and certain benefits. You’ll need to provide evidence such as recent statements or award letters. Other documents may be requested based on your personal circumstances.

If you run your own business, you are not excluded. We welcome self-employed applicants and assess your income fairly, so freelancers, contractors and business owners have an opportunity to buy a home with StrideUp.

Things to think about

• Normally we ask for two years of accounts or SA302s.
• In some circumstances, one year of accounts may be accepted.
• Other documents may be requested based on your personal circumstances.
• Your business must be trading consistently and capable of supporting the monthly payments.

Working patterns look different for everyone. If your income comes from a zero-hours contract but shows stability, we may still be able to consider it.

Things to think about

• You must show at least 12 months of zero-hours income within the same industry.
• Zero-hours income can only be included as a secondary source, not the primary basis of an application.
• We will require payslips and bank statements to evidence earnings. Other documents may be requested based on your personal circumstances.

From flats to family homes, our finance supports a variety of property types across England. This gives you the freedom to look for a home that truly fits your life.

Things to think about

• Eligible properties include freehold houses and leasehold flats.
• Restrictions may apply to new builds, high rise flats, ex local authority properties and non standard construction.
• All properties must pass valuation and survey checks.

Contracting should not close the door to home ownership. We take a flexible approach and assess your work on its merits, not just against rigid one-size-fits-all rules.

Things to think about

• First-time contracting: If your contract has less than 6 months left, we require confirmation that you have been employed for 24 months in the same line of work.
• Single contract: We need at least 3 months of contracting history and 12 months in the same industry. There must be at least 3 months left on the contract, or written confirmation of renewal if a new contract is not yet available.
• Multiple contracts: We treat this as self-employment, meaning we will ask for evidence similar to Sole Traders or Ltd Company Directors.
• Umbrella company contractors: Treated as PAYE employed. We will request your most recent P60 and 3 payslips.
• Medical professionals: Contractors working under multiple Trusts are assessed as one contract, and day rates may be considered.

StrideUp is authorised and regulated by the Financial Conduct Authority (FCA). This means we are required to meet UK standards for fairness to customers, transparency and accountability.

Things to think about

• The FCA regulates StrideUp but does not endorse the company or approve individual products.
• FCA regulations require StrideUp to support customers in achieving their objectives and good outcomes including giving customers clear information and treating them fairly.
• StrideUp’s Buy-to-Let product is not regulated by the FCA.