Our Ethical Standards

Our Commitment to Ethical Home Buying

At Halali, our role is simple: to help people who wish to avoid interest explore ethical, halal-aligned options when buying a home.

We do not provide or promote conventional interest-based mortgages. Instead, we focus on introducing home purchase options that are structured to align with widely recognised Islamic principles, allowing individuals and families to move forward with confidence and peace of mind.

What “Halal Options” Means at Halali

We work with providers that offer recognised Home Purchase Plans (HPPs) commonly used in Islamic home finance, including structures based on:

• Shared ownership arrangements
• Leasing-based models
• Asset-backed purchase structures

These approaches are designed to avoid interest and support ethical, transparent home ownership.

Our role is to help you understand what options exist and connect you with appropriate providers — not to sell or push a particular product.

The Halali Standard

We apply a clear standard to every provider we work with:

• Regulatory Oversight: We only introduce users to providers that are authorised and regulated by the UK Financial Conduct Authority (FCA), where applicable.
• Independent Sharia Oversight: The home purchase plans we introduce are supported by independent Sharia supervisory oversight at provider level.
• Clear Information: We aim to ensure rental amounts, fees and key terms are explained in a clear and accessible way, so users can make informed decisions.

Our Role & Important Notice

Halali does not provide financial advice and does not recommend one option over another.

Our platform exists to:

• Share information
• Help users understand ethical alternatives
• Introduce users to regulated providers for further discussion

Any decision to proceed should be made directly with the provider and, where appropriate, with independent professional advice.

Transparency & How We’re Funded

In the interest of openness, users should be aware that Social Adverts Ltd, the operator of Halali, may receive an introduction fee or commission from partner institutions when a successful introduction results in completed business.

This fee:

• Is paid by the provider
• Does not change the terms offered to the user unless clearly stated

Our Vetting Process

Every provider featured through Halali is reviewed through a two-step process:

• Regulatory Review: Confirmation of FCA authorisation and good standing, where applicable.
• Ethical & Structural Review: Verification that the provider’s home purchase plans are supported by recognised Sharia governance and align with commonly accepted halal principles.