Duaa Property Investments Ltd.

Mortgage Services

Helping You Finance Your Property Journey the Right Way

Our Mortgage Solutions

We offer a comprehensive suite of mortgage services designed to meet the needs of UK-based buyers, investors, and businesses. Whether you’re purchasing your first home, building a buy-to-let portfolio, or seeking Sharia-compliant finance, our advice and solutions are fully tailored to the UK property market and regulated lending environment.

Islamic Mortgage

Our Islamic mortgage services provide a Sharia-compliant alternative to traditional mortgages, structured in accordance with UK regulations and Islamic finance principles. Instead of interest-based lending, we use models such as:

  • Ijara (Lease to Own) – The property is purchased by the bank and leased to you until full ownership is transferred.
  • Diminishing Musharaka (Partnership Model) – You buy the property jointly with the bank and gradually acquire their share.

All our Islamic finance products are arranged through FCA-regulated providers, ensuring ethical compliance and full legal protection.

Benefits:

  • Fully Sharia-compliant with no interest (riba)
  • Transparent, fixed payment structures
  • Available for residential and buy-to-let purposes
  • Ideal for Muslim families and investors seeking faith-aligned finance

Personal Mortgage

If you’re buying a home in the UK, our personal mortgage services are here to make the process simple and stress-free. Whether you’re a first-time buyer, moving home, or remortgaging, we help you find the best deal from a wide panel of FCA-regulated lenders.

We also assist with:

  • Help to Buy (where available)
  • Shared Ownership
  • New build mortgage schemes

Our experienced advisers offer impartial, whole-of-market advice, ensuring you understand your options before making a commitment.

What We Offer:

  • Access to competitive fixed, tracker, and variable rate mortgages
  • Guidance through the mortgage application and valuation process
  • Mortgage in Principle (MIP) arrangements to strengthen offers
  • Ongoing support with conveyancing, insurance, and protection

Buy to Let

Our buy-to-let mortgage options are tailored for UK landlords, whether you’re letting out a single flat or building a portfolio. We understand the complexities of the UK rental market, including:

  • Stamp Duty surcharges
  • Landlord licensing requirements
  • Income tax implications

We work with specialist lenders who understand rental income as a basis for lending decisions, offering options for both personal and limited company purchases.

Highlights:

  • Competitive BTL interest rates and LTVs up to 80%
  • Support with HMO and multi-unit properties
  • Guidance on stress testing and affordability assessments
  • Advice on structuring investments via SPVs (Special Purpose Vehicles)

Bridging Loan

Bridging finance is an increasingly popular option in the UK for short-term property funding. Whether you need to complete a purchase quickly, fund a renovation, or buy at auction, our fast-track bridging loans provide a flexible solution.

We work with regulated and unregulated lenders depending on the nature of the property and your financial circumstances.

Use Cases:

  • Chain breaks and pre-sale purchases
  • Property refurbishment (light and heavy)
  • Auction finance (with funds in place within 14–28 days)
  • Development finance bridging

Features:

  • Loans from £50,000 up to £25 million
  • Flexible exit strategies and rollover options
  • Interest roll-up or retained structures are available

Commercial Loan

Our commercial mortgage services are designed for businesses and investors looking to buy, develop, or refinance commercial property. We source from a wide network of UK commercial lenders, offering tailored finance based on income potential and asset value.

We can assist with:

  • Owner-occupied commercial premises
  • Investment property (single or multi-let)
  • Mixed-use buildings and developments
  • Leasehold and freehold financing

Typical Commercial Property Types:

  • Offices, shops, and restaurants
  • Warehouses and logistics units
  • HMOs and serviced accommodation
  • Care homes, nurseries, and educational premises