Starting your StrideUp home journey.
StrideUp’s Home Purchase Plan (HPP) is an ethical and shariah–compliant alternative to a mortgage. We buy the home with you, you live in it, pay rent on the share you do not yet own, and gradually increase your ownership over time.
Finance that’s rooted in partnership.
Our Home Purchase Plan is built on fairness.
Instead of lending with interest, we purchase the property with you.
How it works
Is it halal?
For everyone
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP THE PAYMENTS ON YOUR HOME PURCHASE PLAN.
Quick rate finder
We believe managing your finances should be clear and transparent. Use our calculator to explore today’s Home Purchase Plan rates.
What’s the property value?
£
How much is your deposit?
£
Select a fixed term
Term length
10 yrs
40 yrs
Back to overview
| Term length | Initial rate | Product fee | Estimated payment |
|---|---|---|---|
| 2 years fixed | 0% |
£1,249 | £ 0 monthlyfor first 24 months |
| 5 years fixed | 0% |
£1,249 | £ 0 monthlyfor first 60 months |
2 years fixed breakdown
Your estimated monthly payments could be £1,219.32 for the first 24 months. Our variable rate of X.XX% for the remaining XX years would require XXX monthly payments of £X,XXX.XX. The total amount payable over XX years would be £XXX,XXX.XX, which includes both the finance amount and rent, excluding any other fees or charges.
Your estimated monthly payments could be £1,219.32 for the first 24 months. Our variable rate of X.XX% for the remaining XX years would require XXX monthly payments of £X,XXX.XX. The total amount payable over XX years would be £XXX,XXX.XX, which includes both the finance amount and rent, excluding any other fees or charges.
5 years fixed breakdown
Your estimated monthly payments could be £1,219.32 for the first 24 months. Our variable rate of X.XX% for the remaining XX years would require XXX monthly payments of £X,XXX.XX. The total amount payable over XX years would be £XXX,XXX.XX, which includes both the finance amount and rent, excluding any other fees or charges.
Your estimated monthly payments could be £1,219.32 for the first 24 months. Our variable rate of X.XX% for the remaining XX years would require XXX monthly payments of £X,XXX.XX. The total amount payable over XX years would be £XXX,XXX.XX, which includes both the finance amount and rent, excluding any other fees or charges.
Subject to status and criteria.
Your rate
–
Monthly payments
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Representative example
Compare fixed terms
Your initial rate is 0%
Your estimated monthly payments could be £1,219.32 for the first 24 months. Our variable rate of X.XX% for the remaining XX years would require XXX monthly payments of £X,XXX.XX. The total amount payable over XX years would be £XXX,XXX.XX, which includes both the finance amount and rent, excluding any other fees or charges. Subject to status and criteria.
Compare fixed terms
One-off product fee
£1,249
Finance-to-value
83.3%
Deposit
Financing
This shows how your deposit and finance could work together to cover your home’s value, as long as you meet our financing criteria.
Let’s take another look at your options
Based on the details provided, you don’t currently meet the criteria for this product. Adjust your details to try again, or speak to our team to explore what other options might work for you.
Important information
This is a representative example to help guide you. The rate and finance amount you receive will depend on a full review of your circumstances, including affordability, credit history and property details. Rates and terms are subject to change or withdrawal without notice.
We believe finance should open doors,
not close them.
At StrideUp, we look at the bigger picture. Our Home Purchase Plan criteria is designed to support more people on their journey, while staying clear, fair, and rooted in Islamic principles.
Fast decisions
Deposit from 10%
No waiting list
Fast decisions
Time matters when you are 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.
Things to think about:
- Timelines depend on the completeness of your documents and your circumstances.
- Not every application will move at the same pace, but our process is built for efficiency.
- Subject to status and criteria.
Deposit from 10%
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.
No waiting list
We’re ready to get started when you’re ready. There is no waiting list at StrideUp, so once you are approved you can keep moving forward without unnecessary delays.
Things to think about:
- Approval depends on you meeting eligibility and affordability checks.
- Subject to status and criteria.
More highlights
At a glance
Shariah-certified
Up to 90% finance-to-value
Up to 4 applicants
Multiple income types
Self-employed welcome
Zero-hours contracts
Wide range of properties
Inclusive approach
Flexible for contractors
FCA regulated
Shariah-certified
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.
Up to 90% finance-to-value
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 more 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.
Up to 4 applicants
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.
- Subject to status and criteria.
Multiple income types
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.
- Subject to status and criteria.
Self-employed welcome
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.
- Subject to status and criteria.
Zero-hours contracts
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.
- Subject to status and criteria.
Wide range of properties
From city 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.
- Subject to status and criteria.
Inclusive approach
No two journeys look the same. Whether you’re buying your first home, refinancing an existing property, or moving to your next, StrideUp’s Home Purchase Plan is designed to adapt to your circumstances and help you take the next step with confidence.
Things to think about
- Each application is assessed individually to make sure the plan is right for your situation.
- Factors such as your deposit, affordability and property type are carefully considered as part of the review.
- All applications are subject to status and criteria.
Flexible for contractors
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.
- Subject to status and criteria.
FCA regulated
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.
- You must keep up with payments required under your agreement with us to avoid arrears and the risk of incurring additional costs.
- Eligible customers benefit from protection under the Financial Services Compensation Scheme (FSCS) for regulated products.
- StrideUp’s Buy-to-Let product is not regulated by the FCA.
Already a homeowner?
Explore refinancing options with StrideUp to unlock fair and flexible home finance that works for you. Whether you’re looking to reduce your payments or move to a halal alternative, we’ll help you with confidence.
Explore refinancing
Your StrideUp journey.
Buying a home can feel overwhelming. We keep the process simple, clear and built around you.
Take a DIP
Start by completing a quick online form with your details. We’ll review it, usually the same working day, and let you know how much you could finance.
There’s no credit check or commitment at this stage, just a clear first step toward understanding what’s possible.
Talk to us
Book a 15-minute call with our team to ask questions and check in before moving forward. We’ll answer everything openly, explain your options and guide you through the next steps.
By the end of the call, you’ll understand how the process works, what to expect next, and how StrideUp could support your home journey.
Find a home
Start your search with a clear budget. Once you find the right property, make an offer in line with your DIP. We’ll be on hand to update your DIP if needed and guide you on what’s realistic.
This way, you can house-hunt with confidence, knowing exactly what’s within reach.
Get in touch
Let us know when you’ve found your home and we’ll book an advice call to discuss your application. If we have a suitable product for your situation and you’re ready to go, you’ll also pay your valuation fee at this moment to begin your progress.
Underwriting starts
After the valuation fee is paid, we’ll underwrite your case, arrange a valuation, and move your file forward. You can expect smooth service, quick updates, and clear guidance all the way to your offer.
Solicitors and searches
Once your offer is out, you’ll need to appoint your solicitor to begin the legal work, including conveyancing, contracts and property searches. You’ll also pay for your legal and property checks, such as local authority and environmental reports.
This stage can take the longest, often several months, as it depends on third parties. But we’ll keep you informed so you always know where things stand.
Working together
As Islamic home finance involves two parties purchasing a property together, StrideUp will also appoint its own solicitor to represent our side of the transaction.
We’ll work closely with both solicitors, as well as the surveyor, to keep things moving and make sure you’re always updated.
Get the keys
Leading up to completion, you’ll transfer your deposit, any stamp duty due and complete the final legal steps with your solicitor. We’ll release our funds and once solicitors confirm completion, you’ll know the moment it’s all done.
The moment you’ve been working toward is finally here. You pick up your keys, open the door and step into your new StrideUp home, ready for the next chapter of your journey.
Welcome home to StrideUp.
Ready to get started?
People also ask…
Here’s some of the most common questions we’re asked about our Home Purchase Plan.
What is a Home Purchase Plan?
A Home Purchase Plan (HPP) is StrideUp’s shariah-compliant alternative to a mortgage. You and StrideUp buy the home together in partnership. Each month, you make one fixed payment that covers rent for our share and gradually increases your ownership. This will lead to owning the property outright by the end of your full term.
What is a halal mortgage?
Many scholars do not view conventional mortgages as shariah-compliant because they are based on interest, or riba, and structured as debt contracts.
At StrideUp, our Home Purchase Plan avoids interest by working on a co-ownership and rent basis, rooted in Islamic principles.
Learn more on our Halal Mortgage page, where we explain how Islamic home finance works and why StrideUp’s Home Purchase Plan is a shariah-compliant alternative.
How much deposit do I need?
With StrideUp, you start with a minimum 10% deposit. This becomes your equity in the home and forms the foundation for your ownership journey.
How long does approval take?
Most people receive a Decision in Principle (DIP) the same working day they apply. On average, a full application typically reaches offer in just over 2 weeks, although your actual finance amount and timescales may vary and subject to your personal circumstances.
Is a Home Purchase Plan halal?
Yes, StrideUp’s Home Purchase Plan (HPP) is fully certified by qualified scholars from Amanah Advisors. It is built to ensure your home finance never compromises your values.
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