Say goodbye to interest and hidden fees with the Murabaha model—a transparent, ethical, and Islamic-compliant ownership opportunity. With up to 40% returns and a shared ownership structure, you can proceed confidently, knowing your capital is aligned with Islamic principles. Your profitable, halal ownership journey is within reach.
We’re the UK’s first estate agent to offer transparent and ethical Islamic finance for those looking to purchase their next home or invest.
Earn profits of 20%-40% in just 2 years!
A shared ownership model with security.
Call option contract to regulate share purchase.
Trusted, ethical & transparent Islamic finance model.
The Murabaha purchase model is a popular Islamic financing structure where a person, company or a financial institution buys an asset and sells it to the customer at a higher price, agreeing on a profit margin. This transaction adheres to Islamic laws of jurisprudence which prohibits charging or paying interest.
In a Murabaha contract, the buyer knows the cost price and the profit margin upfront. The customer repays the financer in installments or a lump sum, ensuring transparency and ethical compliance. This model is commonly used for purchasing homes, vehicles, or goods, providing an interest-free financing alternative while promoting trade and ownership in a halal and ethical manner.
Based in Birmingham, St James Place, this proposal is for HNW and Sophisticated partners.
The company is offering 2500 shares to raise £5m to take this development to obtaining full planning and all the regulatory consents in readiness for construction. HNW’s and Sophisticated partners are invited to purchase a minimum shareholding of 25 shares to the value of £50,000.00. The company will exercise its call option to repurchase the shares from the shareholder with an uplift from 20% – 40%, based on the number of stories attained in the planning permission. It is expected that the planning will be for no less than 20 stories, and no more than 40. Therefore, the uplift is based on the number of floors achieved in the planning process.
The Ethical Financing for Your Next Home
Location: 7 St James Place, Birmingham B7 4JE
A transformative residential development located in central Birmingham, featuring 322 luxury apartments across 40 floors, along with commercial retail spaces.
High Net-Worth (HNW) individuals and Sophisticated Partners are invited to participate in this opportunity.
There is a minimum number of shares for each purchase. For example, the minimum purchase into the St James project is 13 shares, valued at £26,000 (£2,000 per share)
The uplift will be determined based on the number of stories achieved in the planning permission. The uplift range is between 20% and 40%, depending on how many stories are granted in the planning process. E.g. if permission is granted for 35 stories, the uplift on your investment will be 35%.
The company will exercise its call option to repurchase the shares once planning permission is granted. This process is expected to take between 18 – 24 months.
An SPV (Special Purpose Vehicle) is a separate company created for a specific investment, each unit will be transferred into an individual SPV. Once construction is completed, the apartment is transferred into an SPV. This SPV will issue 240 shares, which are owned 50/50 between the Developer and the Purchaser. As a buyer, you will acquire these shares by making monthly payments over a 10-year period (120 months).
Yes, the rental income from the apartment can be used to cover the monthly payments for the shares. If the apartment is managed by an approved Letting Agent, the Developer guarantees that the cost of purchasing one share will not exceed the monthly rental income.
Yes, after the legal transfer and handover of the apartment, the buyer is free to sell the property at any time. The Developer is only entitled to the outstanding balance owed at the time of sale, and any increase in the property’s value will be retained by the buyer.
The buyer is free to pay off their shares before the 10-year period is over. The Developer is only entitled to the outstanding balance owed at the time of sale, and this can be paid at any time after the legal transfer and handover of the apartment.
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River Lake Homes are an independent real estate company operating within the UK, dedicated to supporting your real estate journey. As an independent company, we cannot offer financial advice, handle client money, or hold funds on behalf of clients. Whilst we share information and insights through our website and communications, this is purely for general information and guidance. If you’re considering property purchases or investments, we recommend speaking with qualified financial advisers who can provide personalised advice based on your circumstances.
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