Offa

Offa and Sharia-compliant property finance in the UK

Offa presents itself as the UK's first Islamic bridge finance provider and now describes its range as the broadest of Sharia-compliant property finance, covering Home Purchase Plan, Buy-to-Let, Bridge and Bridge-to-Let products. The company positions these offerings for two broad audiences: home-buyers looking for an Islamic alternative to a conventional mortgage, and landlords or investors seeking halal finance for purchases and bridging needs.

The firm states that its products are 100% Sharia-compliant, meaning no interest is charged and no investment is made in industries it considers harmful to society, such as the arms trade, animal testing, gambling, alcohol or tobacco. It attributes certification of that compliance to Amanah Advisors, led by the scholar Mufti Faraz Adam, and says the corresponding certificates can be downloaded.

Home Purchase Plan for owner-occupiers

For home-buyers, Offa offers a Home Purchase Plan, described as a family-friendly Islamic equivalent to a conventional mortgage. The product is presented as new for 2026, with a Family Assist variant and supporting tools that include a monthly payment calculator and a finance eligibility calculator. The company frames the plan around helping customers move up the property ladder on their own terms.

Buy-to-Let and bridging options for landlords and investors

Landlords and investors are served through a Buy-to-Let proposition that Offa describes as an ultra-fast, paperless application process. The related information covers eligibility and criteria, a product finder, affordability and Buy-to-Let calculators, and specific segments such as HMO and MUFB, expats, corporate Buy-to-Let and portfolio BTL financing.

Alongside Buy-to-Let, the company provides Bridge Financing and Bridge-to-Let, presented as fast and easy Sharia-compliant options for property purchases and transitions. A dedicated bridging enquiries address is published for these products, and the site also lists rate cards and guides among its resources.

How the company describes its approach

Offa emphasises a digital-first, paperless process and states that customers can obtain a Decision in Principle in minutes rather than days. It also claims no hidden fees and no early repayment penalties, and says its rates compete with conventional banks without requiring customers to compromise their values. The company describes its team as having decades of combined experience and offers dedicated support through the home-buying process.

Executive Chairman Sultan Choudhury OBE is quoted in the material, framing the proposition around interest-free, straightforward Islamic property finance and expert guidance at each stage. The site also carries customer testimonials referring to named staff and to the firm's Sharia compliance, alongside a statement that it is trusted by homeowners across the UK.

Regulation and group structure

Offa Money Limited is authorised and regulated by the Financial Conduct Authority (FCA), FRN 1000573, for Home Purchase Plans. The company notes that other Offa group products, including Bridge, Buy-to-Let and Bridge-to-Let, are provided through various firms in the Offa group, are not regulated by the FCA and are not covered by FCA protections.

Intermediaries and resources

The site includes a section for intermediaries with criteria, documents and rate cards, and a resources area with documents, FAQs and news. It also publishes a blog with insights and guides, and offers a newsletter subscription for updates.