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How it works
Why we built it
What you fund
FAQs
Bayuti
Bayuti home
CrowdToLive
Risk warning
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A different way to own a home
A home should be the start of a life, not thirty years of debt. You fund someone's home. Someone funds yours. Nobody owes anybody interest.
Capital at risk. This is an investment, and nothing like a deposit account. The 5% is a target rather than a guarantee, and it is not FSCS protected. Property values can fall as well as rise.
Why we built it
It works best when houses are expensive, when borrowing is large, and when repayment takes decades. The system does not need your home to be affordable. It needs your loan to be big.
Most people accept it because there has never been anything else. For some, borrowing at interest is not a preference to weigh up. It is a line they will not cross, and the market has offered them no way through.
We think that is a failure of imagination, not of finance.
One person choosing differently is a personal decision. Ten thousand people choosing differently is a different housing market.
What you fund
Your money goes into Amana by Bayuti, which holds Shariah compliant homes across the UK. So you are never riding on one address, one street or one family.
Every pound is backed by real homes that people live in. Nothing is lent, and no interest is earned anywhere in it.
Your investment sits across the properties Amana holds rather than a single house, so no one address decides how you do.
Paid monthly from what those homes earn, to take out or reinvest. Dividends are not guaranteed and can stop, and the value of your investment can fall.
Before you download
Rent. The families living in these homes own a share of them from day one and pay rent on the share they do not own yet. That rent is what the property earns, and your share of it is paid to you as dividends every month.
We work with them, and what happens depends on whether it is a short term problem or a lasting one. Options include buying back part of their shares, never taking them below the minimum holding and always subject to an affordability test, or selling the property to release the equity.
Underneath all of it, the homebuyer's own equity is the protection. Anything unpaid comes out of their equity before their share of the sale proceeds is returned to them.
No interest is charged or earned anywhere in the structure. Your return comes from what real property earns, paid to you as dividends. Verified on the Islamic Finance Advisory certification register.
They own a share of it outright from day one and buy more over time. There is no lender and no interest, and the share they own is genuinely theirs.
No. It is an investment targeting 5% a year with your capital at risk. The good it does comes from how it is built, not from you giving something up.
It is backed by real property and by the homebuyer's own equity, but it is not FSCS protected and your capital is at risk. We would rather say that plainly than bury it in a footnote.
One step
Download the app and start today. Build your home deposit in a way you would be happy to explain to anyone. £50 opens it.
On a desktop? We will email you the link.