Built on AAOIFI Shari'ah Standards SS3, SS9, SS12 and 4 more
Is your Islamic home finance what it says it is?
Upload your home purchase plan pack. We read it clause by clause and show where it follows AAOIFI standards, where it departs, and what to ask your provider before you sign.
Free. Processed on our own UK server. Nothing is kept.
Example report
Northgate Home Finance · Home Purchase Plan
- Co-ownership 6.3 · Shortfall after sale93%
You make up the financier’s loss if the home sells for less (SS12).
- Def. Late Payment Amount · Late payment84%
Grows daily like interest; most goes to charity (SS3).
- Offer Letter 2.1 · Rent after the fixed period90%
Tracks Bank of England base rate with no cap (SS9).
- Lease 10.2 · Rent if the home is damaged88%
Rent stops while the home can’t be lived in (SS9).
How it works
Six steps, one clause at a time
The model only answers narrow yes/no questions about wording. The verdict comes from a fixed lookup, so the same answers always give the same flag.
- 01
Upload your pack
The purchase plan agreement, lease or trust deed, promise to purchase, terms and conditions and offer letter, as a PDF or Word file.
- 02
Split into clauses
We keep the numbering and headings, including glossary definitions, so every finding cites a clause you can find, like “Lease 3.3”.
- 03
Narrow to what matters
Cheap keyword tests sort each clause into topics such as late payment, rent review or buy-out price. Notices, governing law and boilerplate drop out.
- 04
Test against the standards
Each remaining clause is tested against the requirements for its topic: 49 yes/no tests lifted from AAOIFI standards, each answered with a probability.
- 05
Check clauses together
Some problems need two clauses, like a pack that calls itself a partnership but makes you cover every loss. Those checks run over the whole pack.
- 06
Get the report
A red, amber or green flag per clause, the standard it touches, a one-line reason, the five clauses that matter most and the questions to ask.
Questions to ask your provider
- If the property is sold at a loss, who bears the loss on your share?
- Is the price for your share fixed at its original cost? Could I buy it at market value instead?
- Is there any limit on how high my rent can go if the benchmark rises?
A report you can take to your provider
Every clause we test gets a row: what it says, which standard it touches, a red, amber or green flag with the model's probability, and a one-line reason in plain English.
- The five clauses that matter most, ranked
- Findings that span clauses, like a partnership where you carry every loss
- A list of questions for your provider, with the clauses they refer to
- The full clause text beside every flag, so you can check it yourself
- Download as CSV or print it for your appointment
What we check
Ten topics where packs tend to differ
Late payment
Whether late charges grow like interest, who keeps them, and whether they go to charity.
8 testsSS3Default and enforcement
What happens on default: notice, forced buy-outs at cost, and who carries a shortfall on sale.
4 testsSS3SS12Rent and rent review
How rent is set after any fixed period, interest-rate benchmarks, caps, and whether rent stops if the home is lost.
6 testsSS9SS31Repairs and ownership costs
Who pays for structural repairs and major maintenance, and whether “agency” arrangements recharge it all to you.
4 testsSS9Insurance and total loss
Who insures the home, takaful or conventional cover, and what happens to the financier’s share on a total loss.
7 testsSS9SS26SS12Early settlement
Your right to buy the financier out early and what it costs.
5 testsSS12SS9SS31Buy-out price
Whether the financier’s share is bought at market value or locked at its original cost, and how promises are structured.
6 testsSS12SS49Title and ownership
Who holds title, whether ownership shares are real, and whether the financier contracts out of an owner’s risks.
3 testsSS12SS9Fees and charges
Percentage-based fees and charges the provider can change after you sign.
3 testsSS3SS31Guarantees
Third-party guarantees, fees for guaranteeing, and partners guaranteeing each other’s capital.
3 testsSS5SS12
The standards
What the tests are measured against
The Accounting and Auditing Organization for Islamic Financial Institutions (AAOIFI) publishes the Shari'ah Standards most widely used by Islamic banks. We test against these, and flag separately where a feature is common UK practice that many providers' boards accept.
AAOIFI SS3: Default in Payment by a Debtor
A financier may not earn compensation for late payment. A customer can promise to give a sum to charity if they pay late, and can be asked to pay the actual costs of recovering the debt.
AAOIFI SS5: Guarantees
A third party may guarantee a debt, but may not be paid a fee for the guarantee itself, and a partner may not guarantee the other partner's capital.
AAOIFI SS9: Ijarah and Ijarah Muntahia Bittamleek
The owner of a leased asset bears the risks and costs of ownership (major maintenance, insurance, total loss). Rent must be known; for later periods it may follow a benchmark agreed at the start. Rent is only due for use of an asset the lessor owns and has handed over.
AAOIFI SS12: Sharikah (Musharakah) and Modern Corporations
Partners share losses in proportion to their ownership. In a diminishing partnership one partner may promise to buy the other's units at market value or at a price agreed at the time of each purchase, not at their original cost.
AAOIFI SS26: Islamic Insurance
Insurance should be takaful (co-operative Islamic insurance). Conventional cover is tolerated only where takaful is not reasonably available.
AAOIFI SS31: Controls on Gharar in Financial Transactions
Key terms such as price, rent and charges must be known, not left open to one party's discretion in a way that creates excessive uncertainty.
AAOIFI SS49: Unilateral and Bilateral Promise
A binding one-way promise is acceptable. A promise that binds both sides to a future sale works like a sale agreed in advance and is not.
Common UK home purchase plan practice
Features found across most UK home purchase plans (FCA-regulated under MCOB), often accepted by providers' Sharia boards but debated against AAOIFI.
Privacy
Your pack stays with us, briefly
Checked on our own server
The model runs on our server in Manchester. Your file is not sent to OpenAI, Anthropic, Google or anyone else.
Never stored
The file is held in memory only while it is checked. The report is deleted two hours after it is ready.
No account needed
No sign-up, no email, no tracking cookies. Download the report if you want to keep it.
Questions you might have
Is this a fatwa?
No. Sharia Check reads the wording of your documents and compares it with published AAOIFI standards. Your provider’s Sharia board may have approved departures for reasons the documents do not show. Use the report to ask better questions of your provider and of a scholar you trust.
Who sees my documents?
Nobody. Your file is processed on our own server in the UK by a model that runs there. It is not sent to any AI company, it is never written to disk, and the report is deleted two hours after it is ready.
Which providers does it work with?
Any UK home purchase plan pack in PDF or Word form: diminishing musharaka with ijara, ijara on its own, or murabaha. Scanned images of paper documents are not supported yet.
How accurate is it?
Each finding carries the probability the model gave it, so you can see how sure it is. We publish how the tests perform on real provider wording on the methodology page. Treat amber as “ask about this”, and check every red against the clause text, which is always shown alongside.
Read the small print before you sign
It takes a few minutes, depending on the length of the pack. You get a report you can print, share with your adviser, or take to your provider.