H Halal Money UK

United Kingdom · UK halal / Islamic personal finance

Halal money, worked out in real numbers.

Worked-example guides to halal mortgages, Shariah-compliant ISAs and investing for UK Muslims — with real numbers and AAOIFI screening.

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Written by Yusuf Rahman (AAOIFI-trained Islamic finance specialist) · figures verified against official United Kingdom sources

33worked-example guides

5topic clusters

2026-06-03figures last verified

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Five things UK Muslims keep asking about money

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Halal mortgages

Home Purchase Plans, Ijara vs diminishing musharaka, and what halal home-buying really costs per month.

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Halal investing & ISAs

Shariah ISAs, SIPPs, halal ETFs and index funds — worked examples from your first £1,000 up.

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Halal screening

AAOIFI stock screening, the debt and income rules, dividend purification and the apps that automate it.

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Halal savings & pensions

Riba-free savings, sukuk, Islamic profit rates and switching a workplace pension to a Shariah fund.

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Zakat worked examples

Exactly what zakat you owe on ISAs, pensions, property and shares — with the 2026 nisab numbers.

Every guide

All 33 worked-example guides

Halal mortgages

What a £250k Halal Mortgage Actually Costs Per Month in the UK (Worked Example) Ijara vs Diminishing Musharaka: Which UK Home Purchase Plan Structure Costs Less? Diminishing Musharaka: How Your Ownership Share Grows Year-by-Year on a UK HPP Is a Sharia Mortgage More Expensive? £250k Cost Compared to a Conventional Loan Halal Buy-to-Let in the UK: Rental Yield Worked Example on a £180k Flat Gatehouse vs Al Rayan vs StrideUp: UK Islamic Mortgage Providers Compared (2026) First-Time Buyer Halal Mortgage UK: Deposit, Eligibility and a £220k Worked Example

Halal investing & ISAs

Halal Stocks & Shares ISA: Turning a £20,000 Allowance Into a Compliant Portfolio Halal ETFs on the UK Market: ISWD vs HLAL vs HSBC Islamic Compared by Fee and Holdings Halal Investing for Beginners UK: Your First £1,000 Step-by-Step A 3-Fund Halal ISA Portfolio: Sample £20,000 Allocation With Sukuk for Stability Halal Index Funds in the UK: Why HSBC Islamic Global Equity Is the Default Core Holding Halal SIPP UK: Building a Shariah-Compliant Pension With a £400/Month Worked Example Wahed vs DIY: Which Costs Less to Run a £10,000 Halal Portfolio in the UK? Halal Dividend Stocks UK: A £5,000 Income Portfolio With the Purification Math Shown

Halal screening

How to Tell If a Stock Is Halal: AAOIFI Screening Walked Through on a Real Ticker The AAOIFI Debt Rule: 30% vs the 33% MSCI Cut-Off, Worked on Two Stocks The 5% Impermissible-Income Rule: Worked Example on a Mixed-Revenue Company Dividend Purification: Exactly How Much of a £1,000 Dividend to Give Away Is an ETF Halal? Why ISWD Passes and a Normal World Tracker Doesn't Is Gold Halal? The Spot-Settlement Rule and How to Buy It Compliantly in the UK Halal Screening Apps Compared: Do Zoya, Islamicly and Musaffa Agree on the Same Stock?

Halal savings & pensions

Islamic Savings Account UK: How an 'Expected Profit Rate' Pays vs a Normal Savings Rate There's No Halal Cash ISA — Here's the Tax-Efficient Riba-Free Alternative Sukuk Explained for UK Investors: How an Islamic Bond Pays Without Interest (Worked Example) Auto-Enrolment Pension Not Halal? How to Switch Your Workplace Fund to Shariah Riba-Free Banking in the UK: Which Current and Savings Accounts Actually Avoid Interest Building a Halal Emergency Fund: Where to Park 6 Months of Expenses Riba-Free

Zakat worked examples

Zakat on Your ISA: Why the Tax-Free Wrapper Doesn't Reduce What You Owe (Worked Example) Zakat on a UK Pension: The 25% Proxy Rule for DC Pots (and Why DB Schemes Are Exempt) Zakat on Property in the UK: Your Home, a Rental and a Flip Compared Zakat on Shares: Trader vs Long-Term Investor Calculations Worked Out Zakat Nisab UK 2026: Gold (~£5,095) vs Silver (~£416) and Which Threshold to Use