Shariah Compliant Property Investment

Bricklane.com enables you to invest in residential property in line with Shariah principles, without the hassles of buy-to-let. Capital at risk.

With Bricklane.com, anyone can invest in portfolios of expertly chosen homes around the UK, and earn returns from rental income and property value changes. Investing through an ISA or pension (SIPP) is the most tax-efficient way to invest in UK residential property, with no tax to pay on property gains or income.

Investments are mortgage-free, and no interest is earned — Bricklane.com’s funds have been certified as compliant by the Shariah Committee of Minarah Consulting, chaired by Sheikh Faizal Manjoo.

Invest
Open an account Setup your account - choose from Standard, ISA and SIPPs, transfer funds and choose which property portfolios to invest in.
Grow
Track your investment Your investment will automatically start earning returns. Track value change and rental income using your dashboard.
Withdraw
Withdraw your money Submit a request to withdraw money online via your dashboard. Money will be deposited in your account once your investment has been sold.

Use cases

Commenting on the accreditation, Islamic scholar Sheikh Faizal Manjoo stated:

This new product will help in enhancing shariah-based investment portfolios for investors seeking ethical and Shariah-compliant investments. The REITs are linked to the real economy and generate returns from rentals and capital gains which are accepted by the consensus of Muslim jurists”

Shaykh Faizal Manjoo’s specialisation is in Shari’ah, Law and Islamic studies. He is also proficient in the areas of Takaful and Retakaful, Labour Law, Islamic Law of Inheritance, Family Law, Commercial Law and Shari’ahh Law.

Bricklane.com has been the first property investment platform that offers retail investors access to a well-diversified UK residential property portfolio that can be held within one’s ISA or pension. It just so happens to be Shariah compliant too, thereby overcoming a barrier to entry for Muslim investors who are keen to invest ethically and in accordance to the principles of their faith.

It’s so simple. Investors are simply investing in multiple mortgage-free residential properties that are rented out. You don’t have to worry about CGT, income tax, accountancy fees and dealing with bad tenants. Something that is relevant to all of us.”

Mohammad Uz-Zaman MA DipFA
Account types

Tax rules apply and may change

Standard

    Highlights
  •   Start from £100
  •   No maximum
  •   £11,700 tax-free gains p.a.
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ISA

    Highlights
  •   Start from £100
  •   Up to £20,000 p.a. tax-free
  •   Transfer existing ISAs easily
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SIPP

    Highlights
  •   Start from £10,000
  •   Up to 45% tax relief
  •   Zero SIPP costs
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Why invest with Bricklane.com?

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Earn real property returns

Our funds only contain residential properties — no commercial, no corporate overheads. Investors’ returns actually reflect rent and property price changes, without the volatility of equities markets.

Simple and transparent fees

We charge straightforward fees, and withdrawals are always free. Our fees are 30% lower than property funds and 17% cheaper than active equities funds over the course of a 5 year investment. More on our fees.

Powered by property intelligence

Compass, our proprietary data analytics platform, supports our expert property team in selecting properties for the portfolios, and shaping our overall strategy.

Strong returns from both portfolios

Both funds have made strong returns for investors to date. The Regional Capitals fund returned a total of 16.0% since September 2016, while the newer London fund has returned 10.4% since July 2017. Learn more about these figures

Creating a fairer market

We are committed to making the rental market work better, offering tenants fairer, more stable contracts that enable them to feel at home.

Make money tax-efficiently

The most tax-efficient way to invest in UK residential property. Through ISAs or SIPPs, combined with REIT status from HMRC, investors pay no tax on property gains or income.

Capital at risk

The value of your investment can go down as well as up. If you want to sell shares, there is no guarantee that you will be able to find a buyer for your shares within a reasonable timeframe at a price that is acceptable to you. The REITs invest in residential property, which are not highly liquid assets. Rental yields and dividends may be lower than estimated.

Tax rules and allowances depend on individual circumstances and may change in the future. If you are unsure about whether investment is right for you, you should seek independent advice before investing, including tax advice.