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The ethical home provision scheme

With Primary Finance the cost of buying your home is similar to other major providers, but without the burden of debt.
Mass Appeal – You choose the property; we purchase it as partners
No Debt Burden – We will never force you to purchase our share
Flexible & Affordable – Purchase our share whenever you want, and get rewarded!
Secure – If you can’t afford your rent you can pay us in equity instead

Slide Want to know
Watch our explainer video below and find
out what makes our product so revolutionary
compared to anything else on the market.

Can I apply?

We have a waiting list for finance. Once you sign up we will be in touch when we are ready to consider your application.
Why not grow your savings tax-free while you wait?

Awards and Press

We are extremely pleased to have recently won a World Islamic Fintech award for the "most promising Islamic fintech start-up of the year".
Our proposition was nominated amongst many other entries from across the globe and it is therefore a major achievement to have won.

Media Attention

"how do I sign up for this!"
"we would love to see them succeed"
"probably the most ideal product"


See what the industry experts think

Got questions?

What is the difference between this and an Islamic mortgage?
The key difference is that the Primary Finance Home Provision Scheme is free from the burden of debt as we do not force you to buy our share from us, although you are free to buy it from us if you wish.
Who owns the property?
The property is owned by a special purpose company. This company is owned by you and our other investors. As your share of the company increases so does your ultimate ownership of the property, and your rent is reduced accordingly.
How often is rent reviewed?
We conduct annual rental reviews. If local property prices in your vicinity have increased your rent will increase; if they have decreased your rent will decrease. The maximum increase or decrease is capped according to the terms in your offer letter. When calculating your affordability and providing you with an illustration we will make the assumption that rent increases by the maximum amount each year. In this way you can be confident that, as long as you stick to the recommended monthly payment, you will never pay more than the illustration although you may pay less.
What is the monthly recommended level of equity purchase?
This is the amount of equity you would have to purchase each month to completely purchase our share by the agreed term. For example if we arrange £120k of finance for you over 10 years then it would be £1k per month.
How is rent calculated?
The rent we charge is based on several factors including the local rental market and our own cost of capital. This is firstly scaled down by your equity amount. We will then usually also give you a further rental discount in any month where you purchase the recommended level of equity.
What are the eligibility criteria?
To be eligible for finance you must pass our affordability assessment and not have any history of arrears or CCJs. You must also have a good credit score rating and be resident in the UK.

Please help us by taking our 2 minute survey

We’re working hard to bring you the best home finance product on the market. But we need your input to make sure we haven’t missed anything that’s important to you.
Please take our short survey and tell us what you want from our product.