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What’s an Islamic Mortgage? Islamic mortgages, also known as halal mortgages, are designed to comply with Sharia law and help you achieve homeownership. Here’s the key difference: Islamic mortgages don’t involve interest, which is forbidden under Islamic law. Sharia law prohibits riba (interest) because it’s seen as exploitative and unjust.  So, instead of interest, Islamic […]

Can You Get a Second Mortgage If You Already Have One? Yes, it is possible to get a second mortgage if you already have one (first mortgage).  Lenders will assess your eligibility based on factors like income, credit history, and the amount of equity you have in your home.  This means you can potentially take […]

Can You Get a Mortgage If You Are Single? Absolutely! While applying for a mortgage alone can seem daunting, single people can get a mortgage in the UK.  Mortgage lenders regularly grant mortgages to solo applicants – being single isn’t a barrier. What’s important is that you meet the lender’s affordability criteria, have a good […]

Can You Get a Mortgage as the Sole Applicant When Married? When you’re married, the assumption is often that you’ll apply for a joint mortgage to buy a home together. But that’s not always the case.  Various reasons might lead you to get a mortgage in just one person’s name, even when married. If you’re […]

What’s Different About Getting a Mortgage in Scotland? Owning a home in Scotland is exciting, but getting a mortgage there is a different experience compared to the rest of the UK.  In Scotland, the basics—income, credit history, affordability—stay the same.  But the process? It’s got its own quirks. The first difference you’ll encounter is the […]

What Is a Joint Mortgage With Parents Exactly? A joint mortgage with parents is when you and one or both of your parents co-borrow a mortgage and co-own the property together.  All applicants are legally responsible for making the full monthly mortgage payment. You all own equal shares of the home unless otherwise agreed upon. […]