Halal home finance. Done properly.

Most delays on Islamic finance purchases come from solicitors meeting the paperwork for the first time. We've seen it before — that's the difference.

Every quote is personal to your transaction — leasehold, new build and refinance work is priced up front too, never added later.

Instruct us this month and ask about £240 + 20% off your conveyancing quote. Mention it in your enquiry — we'll apply it before we send your figures.

Sharia-compliant property services

Islamic finance adds a second legal layer to a purchase. We handle both — yours and the provider's — so neither side stalls the other.

Purchases financed through the UK's Islamic banks and home-finance providers — the legal work both you and the provider need, done by one firm.

Moving an existing conventional mortgage onto a sharia-compliant plan — redemption and the new registration handled together, without a gap.

A straightforward cash purchase with the same fixed fee, the same searches and the same weekly chasing as every Waterstone Legal move.

Selling a property held under a home purchase plan — the provider's share and yours settled cleanly, on time.

Diminishing Musharaka

You and the provider buy the home together. Each month you pay rent on the provider's share and buy a slice of it — so your share grows, theirs shrinks, and the rent falls away until the home is entirely yours.

On the title: a co-ownership agreement and lease sit alongside the purchase — we register the structure and the final transfer to you.

Ijara

The provider buys the home and leases it to you. Your monthly payment is rent plus an acquisition amount, and ownership transfers to you at the end of the term — a structure you'll also meet on some refinances.

On the title: the provider holds the legal title with your lease and promise-to-transfer protecting your position — we check both carefully.

Murabaha

The provider buys the property and immediately resells it to you at an agreed, openly declared mark-up, which you pay in fixed instalments. You own the home from day one; the price never changes.

On the title: yours immediately, with the provider's position secured against it — nowadays seen mostly on commercial and short-term deals.

What we check on every plan

Then we explain the whole structure to you in plain English — rent, share, exit — before you commit to it.

Familiar protections, familiar process

The people on your file

Senior conveyancers who work with Islamic finance structures every month — not once a year.

Partners, solicitors and paralegals who keep your file moving while you get on with life.

From people who just moved

"Waterstone were the cheapest quote we could find, but the service was five-star. Replies within the hour, every time — and Darius pushed the other side's solicitors whenever things slowed. I'd choose them again without hesitation."

"As we neared completion the buyer's side raised endless questions. Nithi checked and answered every one, kept me informed throughout, and pushed us to exchange as fast as possible. Kind, diligent — a great job."

Across Trustpilot, Google and ReviewSolicitors — for cases just like yours.

The products are structured and certified by the providers' own sharia supervisory boards — typically as Ijara (lease-based) or diminishing Musharaka (co-ownership). Our role is the legal work, but we'll explain plainly how your structure operates — rent instead of interest, and how your share grows — so you're comfortable with what you're signing.

Because it's effectively two transactions in one: the provider acquires an interest in the property alongside you, with a lease or co-ownership agreement layered over the purchase. Firms meeting those documents for the first time cause weeks of avoidable delay — and delays lose properties.

No — HMRC's alternative property finance relief exists precisely so that Islamic finance buyers aren't taxed twice on the same home. It has to be claimed correctly on the return, which is part of what we do on every one of these purchases.

The legal work is somewhat more involved, and your quote reflects that honestly — but it's the same promise as every Waterstone Legal move: a fixed, itemised fee agreed before we start, with nothing added mid-file.

Yes. We handle the redemption of your existing mortgage and the registration of the new home purchase plan together, so there's no gap in security and no unnecessary delay between the two.

We act on purchases financed by the UK's Islamic banks and home-finance providers, and we're on the panels of more than 45 UK lenders. Tell us who you're financing with and we'll confirm the position for your provider straight away.

It depends on the structure: under diminishing Musharaka and Ijara plans the provider usually holds the legal title (or you hold it jointly) while your share grows, with your position protected by the lease and co-ownership agreement we review and register. At the end of the plan — or on early settlement — the title transfers fully to you, and we handle that registration too.

You can — the provider's remaining share is settled from the sale proceeds and the rest is yours, exactly like redeeming a mortgage. The detail that matters is the plan's early-settlement terms, which is why we flag them before you sign rather than when you're mid-sale. Selling a financed home is everyday work for us, on either side.

No. Home purchase plans are open to everyone, and a growing number of our clients choose them simply because they prefer an ethical, asset-backed structure to an interest-bearing loan. The legal work — and our fixed fee — is the same either way.