Housing Scheme

  • Hujjat will deposit 10% of the property value in a Barclays savings account
  • Barclays will loan to qualifying individuals
    • 100% at 2.69%
    • 95% at 2.49%
    • Fixed for 3 years*
  • After 3 years, Hujjat’s money is returned so long as all payments have been made on time

Candidate Requirements

  • The home buyer must have been in employment for 3 years
  • They must be a first time buyer with no other property (residential or commercial)
  • This is not available for new home purchases
  • The homebuyer must be a member of Hujjat
  • The homebuyer must be 18 and over

Mortgage Offer

  • Barclays offer mortgages of up to £500,000
  • They will lend a multiple of salary (for the combined salary of husband and wife) of 4.5x if the total combined salary is up to £50,000. They will lend 5.5x combined salary if the combined salary is above £50,000.
  • The mortgage rate will be 2.69% fixed for 3 years if the homebuyer takes a 100% mortgage*.
  • The mortgage rate will be 2.49% fixed for 3 years if the homebuyer takes a 95% mortgage*.
  • After 3 years the mortgage will revert to a lifetime tracker mortgage at base + 2.49% (currently 2.99%)*.

More information including the terms & conditions are available at https://www.barclays.co.uk/mortgages/family-springboard-mortgage/

* Mortgage rates may change in the future

Informtion Requirements

If you are interested in applying Barclays will require the following information:

  • 3 months bank statements
  • 3 months payslips
  • Recent P60 form
  • Credit check report (e.g. available from www.experion.com for free)
  • Proof of address (e.g. recent utility bill)
  • Copy of passport
  • Completed Hujjat Housing Scheme Application 

Please email the information above to mortgage@hujjat.org.


  • Send us the required information (see previous slide)
  • We shall send the information to Barclays. If they decide you are eligible they will let us know if/how much they are prepare to lend.
  • Once you have found a house you may make an offer. If it is accepted you will then meet with Barclays for formal application.
  • Barclays will provide a mortgage Offer in Principle letter
  • If there are funds available in the Hujjat Housing Scheme, upon signing legal documents with Hujjat funds will be allocated to you.
  • Alternatively you will be placed on the waiting list