Hi, I'm Ahad.

If you're a property investor who won't touch riba, weighing up the Sharia-compliant route on a deal

And you can't get a straight answer on what it actually costs? You need to read this.

You don't need another provider telling you the number's roughly the same either way.

That's not a comparison. That's a guess dressed up as reassurance.

Gatehouse prices it one way. StrideUp another. Offa a third.

The only answer that matters is the one for your deal.

Not a market average. Not what the broker said last time.

In appraisal terms, that's true-cost, not headline-rate. Most comparisons never get there.

But still.

You picked a provider, said Bismillah, and trusted that was enough.

That's not carelessness.

Bismillah was never meant to replace due diligence — it's supposed to sit alongside it.

Every provider calls itself Sharia-compliant. That's genuinely checked.

The part nobody's solved isn't the label. It's what it actually costs you, deal by deal, not on average.

This was never about proving you can vet a provider. You can.

It's about knowing the actual trade-off before you commit six figures.

Here's the truth.

Lenders are legally required to show you APRC, not just the rate — because the rate alone hides the real cost.

But APRC can be misleading too — it doesn't capture what happens if you exit this deal early.

I built this on my own family's deals first, before trusting it on anyone else's.

SDLT, ROCE, IRR — calculated properly. Then conventional, bridging and Sharia-compliant, run the same way, true cost, for your deal.

Every report — I check it myself. Not a template. Not an algorithm's guess.

The niyyah was always right. Now the number can be too.

PS — that's also why there's a limit on how many I can take on.