Buy‑to‑let lenders
Positions change without notice — sometimes overnight. A lender's status can change at any time, including after you have applied or completed (for example, if the lender's ownership changes). Some lenders' positions depend on which funds are used, or apply only on request. Ask us before you apply and we'll confirm the current position for your loan.
Heter iska required
The prohibition of ribbis applies — a heter iska must be arranged before borrowing. The badge against each lender shows whether it can arrange the heter iska itself; where it does not, ask us before proceeding.
No heter iska needed
Per the Beis Horoah's classification at the date shown. Ownership changes can move a lender out of this list at any time.
Bridging & commercial lenders
The UOHC publishes a list of lenders it has approved to provide a heter iska. Approval means the lender provides a properly structured heter iska with valid documentation, and does not charge more than 15% a year. Only the lenders listed are approved: another lender using the same heter iska paperwork is not approved.
UOHC approved: heter iska available
On the UOHC approved list. The approval covers borrowing from, investing in and lending to these companies. Lenders marked On request provide it only when asked, so it must be requested at application. We do that for you.
Special arrangements
These lenders work only if specific steps are taken. Miss a step and the loan may not be covered, which is why we handle these requests on every case.
Heter iska required, not on the approved list
Per the Ribbis Bulletin, the prohibition of ribbis applies to these companies. Before using any of them, check they have valid paperwork to arrange a heter iska. Ask us first.
No heter iska needed
Bridging, commercial and specialist lenders classed in the Ribbis Bulletin as not needing a heter iska. A change of ownership can move a lender off this list at any time.
Lender not listed?
The UOHC only looks into a lender once it is asked, and more lenders are awaiting approval. Tell us the lender and the deal, and we'll find out the position before you commit.
Ask us about your dealWhat is a heter iska?
Short answers to the questions we're asked most. Information only, not a halachic ruling: for that, speak to your own Rov.
What is a heter iska?
A heter iska is a halachic agreement that structures finance as a business investment rather than a loan, so the return paid is not ribbis (interest prohibited between Jews). It has to be properly arranged and in place before the money is advanced. Ask us, or your own Rov, how it applies to your loan.
When is a heter iska needed for a mortgage or bridging loan?
Where the prohibition of ribbis applies to the lender, for example, according to many poskim, where Jewish money is involved in the lending. That is why lenders are classified, and why a lender's position can change when its ownership or funding changes.
What does UOHC approved mean?
The lender will provide a properly structured heter iska with valid documentation, and will not charge more than 15% a year. Only the lenders on the approved list are approved. A lender using the same heter iska paperwork is not approved just because it uses it.
Is there a limit on the rate with a heter iska?
Under the UOHC approval, lenders may not charge more than 15% a year, because the heter iska is based on generally achievable returns. Higher charges are allowed only in exceptional cases with the Beth Din's permission.
Who arranges the heter iska?
Approved lenders provide it, some only on request. A few lenders avoid the need altogether if particular funds are used, but only when that is specifically requested. We make these requests for you and check the paperwork is in place.
Does DAS Finance decide whether a lender needs a heter iska?
No. The classification comes from the Beis Horoah “Shevet M'Yehuda” (UOHC). We reproduce it for community benefit, keep it updated as notices reach us, and check the current position on your case, but we do not give halachic rulings.
Does it matter if I borrow through a limited company?
Ribbis questions can arise whether you borrow personally or through a company. Ask us before you apply, or speak to your own Rov about your structure.
Ask a broker
Tell us the deal. We'll come back within one working day with lenders that fit, and the heter iska position for each.
Check before you proceed
Positions change, some lenders cover a loan only on request, and paperwork has to be valid. Before you enter into a loan, ask us. We confirm the current position for your lender and your loan.
Ask us before you applyClassification: Beis Horoah L'Inyonei Ribbis U'Shtaros "Shevet M'Yehuda", under the auspices of the UOHC
For buy‑to‑let, bridging, commercial, semi‑commercial and portfolio lending, speak to DAS
Whole‑of‑market specialist brokerage, from single lets to HMOs, multi‑unit blocks, mixed‑use and full portfolios, in a personal name or a Ltd Co/SPV.
Or visit dasfinance.co.uk →
Important — please read
- Information only. Nothing on this page is a halachic ruling, a recommendation, an endorsement of any lender, or advice of any kind. The classification is that of the Beis Horoah "Shevet M'Yehuda" (UOHC); DAS Finance does not determine any lender's heter iska status.
- It can change tomorrow. Positions change without notice — including mid‑application and after completion, for example following a change in a lender's ownership. A lender shown today as not needing a heter iska may need one tomorrow. Never rely on this page alone.
- Product and funding matter. Some lenders' positions depend on the product, the funding line used, or a request made at application (see Special arrangements). Check each loan separately.
- Updated manually. This page is maintained by hand from the printed Ribbis Bulletin, the UOHC approved lender list and update notices as they reach us. It may be out of date at any given moment.
- Verify before you act. Always confirm the current position with us or your own Rov, and ensure any required heter iska paperwork is in place, before applying for or completing any loan.
- No responsibility. DAS Finance accepts no responsibility or liability whatsoever for any reliance placed on this page or for any loss arising from it.
- Know of a change? Email info@dasfinance.co.uk and we'll review and update the page.