Pfida Avis 

It is an amazing company and I recommend to everyone as its much better alternative then the mortgage and existing shared ownership schemes. The company is customer focused and answering all the questions and concerns.

It's a tremendous relief after paying rent for over two decades, and we eagerly anticipated a Sharia-compliant product.

Outstanding service provided by the whole team. I would like to give a special shoutout to brother Raza and Sheikh Salman who always took the utmost care of me. They answered all my question and were always transparent, straightforward, sincere, polite and honest. The team always got back to me very quickly and catered for my needs. Alhamdullilah I am very pleased with my experience and I would 100% recommend Pfida to everyone.

The majority of my contact with Pfida has been with Lily from the underwriting team. I am grateful for the care and consideration in her work and found Lily to be very conscientious and a huge support in securing my new home. Thank you!

I have just purchased my first home the Halal way.

The team were so accommodating especially Salman, Richard and Lily.

I got tons of support and explanation so I was able to buy with confident.

And the best part is that I didn't have to compromise on my religious beliefs.

Great to see a company like Pfida (Primary Finance) trying to solve home owenership problem in this country by providing a true debt free product.

I have investing into the grow your saving account for the past six months now and hoping to buy a house with them soon.

There is a waiting list, which can take time, but is perfectly reasonable.

I am hoping to see the company adding more features on the web app like automation of investment confirmation.

The application process was smooth and the PF team was very supportive! Whenever I had a question, I would send them via email and the underwriting team was efficient with response times, always answering my quiries.

The online dashboard is easy to navigate and it's very transparent with showing your target payments and investment updates.

I would highly recommend PF to anyone who's looking for a more ethical home purchase plan, or a socially purposed investment opportunity. It's time to make ethical finance the norm!

The whole home provision process is transparent.
PF staff provide needed clarity and guidance all through our journey.

Helpful, quick to respond and transparent throughout the whole journey. Really made the process easy

Primary Finance have been a pleasure to deal with over the course of my home purchase process these last few months. From keeping up consistent communication to managing my property surveys and legal requirements, I felt truly looked after. In addition to that, I was impressed by the team's in-depth knowledge and expertise in the property arena. I knew I could place my utmost trust in them to get my purchase sorted for me as best as possible.

I owe a huge thanks to the whole Primary Finance team, especially Arif and Richard, who have supported me over the last year with various home purchase applications. Despite initial applications falling through, they were always happy to pick up with me again as soon as I was ready. I can testify to professional, friendly and approachable engagement, with the team always willing to look into matters for me and answer my numerous questions!

I would 100% recommend Primary Finance to anyone looking to purchase a property in an ethical interest-free way, as their ethos is based on transparency, honesty and a genuine drive to help the community. There isn't anything quite like Primary Finance out there.

Primary Finance's customer service has been exceptional throughout this process. Whilst there were challenges in the purchase, I can honestly say that Primary Finance step up and stick by their promise. Special thanks to Richard and Arif who had to deal with my numerous questions and emails. Thank you to Raza for showing me that service given by PF is miles ahead of any other company in the industry.

The communication is great and even better now that customers can schedule calls. I also really value how PF take on customer feedback. Its the only product on the market that gave me a real sense of not being involved in interest/debt. As a company this is the only one that prioritises the customer beyond anything else.

Primary Finance's attention to detail, care for their clients and availability is second to none. Despite a few obstacles along the way of my house purchase, Primary Finance's team were always there for support and reassurance. Their business model is quite different to the typical bank mortgage, but it's for the better- no debt and flexibility with payments! On the whole Primary Finance, is the next big thing everyone should get on board with! Just reach out to find out more information and I'm confident you'll be impressed.

Muslims in the UK have long grappled with the issue of halal home ownership, due to the element of interest (ribā') in conventional financing options. As I recently looked to purchase my first home for my growing family, I was facing this same dilemma. Therefore, I spent a considerable amount of time studying and engaging with various products (including "Islamic Finance" options), but no product seemed to satisfy what I was looking for.

It is then that I decided to look further into Primary Finance, who I had previously seen online but had not yet looked into seriously. And lo and behold! The more I studied the revolutionary product being offered by them, the more confident I grew that this product was what I was searching for: an ethical product that is truly in line with the Shariah principles laid out in the relied-upon manuals of Islamic law, as extracted from the Qur'an and Sunnah.

The PF team were very helpful and friendly throughout the purchase process. Special mention to Arif and Raza who were great in helping to push things along on tight deadlines. The tech and support available for customers is also highly impressive. In summary, I would highly recommend that anyone looking to purchase a property in a Shariah-compliant way considers Primary Finance as their first option. It may seem daunting at first, but with the help of the team at PF, things become a lot easier!

I pray that Primary Finance continue to grow and that they are able provide this valuable service to more people who are looking to purchase a home without the guilt of dealing with interest.

I had the absolute pleasure of working with Arif & Richard who helped me with a dream of purchasing my first house for my family. All the staff are fully equipped with knowledge and great customer service. They have really made me feel comfortable at every step of the way and answered all my queries before and after working hours! I cannot think of any negative feedback from my experience which is rare. I would highly recommend anyone trying to get a house interest free to use primary finance.

Assalamu Alaikum WaRahmatullahi WaBarakaatuhu,

Pros:
1) It works. House is bought. It's also being lived in.
2) Phenomenal customer support. I've sometimes even missed their response notifications cause they responded before I even managed to swipe away..
3) Super rapid processing. We were put into a "contract race", as a polite way of being declined as a prospective customer. They said they had bad (slow) experiences with Islamic finance companies, and they would like someone who has some sort of hope of completing by the stamp duty deadline. Primary finance got their stuff done F.A.S.T, and won.
4) It's a partnership, literally. They're not fighting the customer
5) Can manage the whole agreement, payments, etc from a pretty much self-service web portal.
6) Not another faceless corporate entity. Bit of an oxymoron considering they are tech-first..but they work with you to make things work, and adapt to whatever happens along the process (and buying a house isn't simple like buying vegetables).
7) No debt, no interest, no obligation to buy. Should actually be point number 0.

Cons:
1) Wish they had more products, I can't finance a house in Turkey or Madinah or wherever else...yet. Hopefully getting there soon Inshallah
2) Waiting list isn't instant..but that just means there's huge demand. For good reason too I'd say
3) Once upon a time the pricing was a good amount higher than the high street. But looking at what's happening with interest rates these days it might not be long before PF gives the banks a run for their money. I actually feel like I got a good deal now to be honest.

Conclusion:
10/10, would buy again..when they let me :D
In the meantime I just recommend it to anyone and everyone who cares to hear

Note: Purchase was made in 2021

PF is a genuine solution for Muslims to own their home in the UK, dept and interest free. I was longing for a company like Primary Finance for many years. I was not satisfied with fatwas allowing us to purchase the 1st home in conventional mortgage or with the products currently offered by Islamic Banks, as they do not share the level of risk they should. Since you are in dept, you are forced to purchase the home or sell in an unforeseen circumstance. PF provides an ethical product that protects its customers while looking after its own interests.

In my experience the team at PF are excellent! As a first-time buyer I had many questions and concerns, they were there at every step to assist and answer all my questions. My home completion took longer than anticipated like the reviewer below. However, this is something that is outside their control. I must admit, it was well worth the wait. I am actively recommending PF to all my family and friend. I sincerely recommend you choose Primary Finance if you want to own your own home without interest.

Nothing short of Exceptional Customer Service

House buying is probably the ultimate test of customer service/relations with so many variables in and out of your control. I found primary finance to be nothing short of honest and sincere throughout the whole process. In an industry where it is normal to deceive house buyers with false hopes, claims and promises as well as untruths there is something to be said for honesty and integrity. My main dealings were with Arif and on occasions with Raza. I found every member of Primary Finance to be professional and easy to work with. Yes there were a few bumps in the process as expected with house buying however at no point did I find the primary finance team hampering the process, quite the opposite, I found them willing to do everything they can in their power to resolve challenging situations.

As the only debt/interest free model on the market and as an one of the earlier investors I will always wish a great success for Primary Finance from the bottom of my heart.

We bought our first house with the help of Primary Finance. From the outset the communication was on point. I could drop an email and get a response within a day or two. At the beginning I had tons of questions and felt they were all answered which left me feeling at ease to go ahead.

I invested in the Grow Your Savings initiative and my turn came a couple months before it was estimated to. I was given the good news to start looking for a house. Unfortunately for me it was during a time where it was a sellers market and houses were going over their asking prices. I eventually found a house and was able to start the conveyancing process.

I have to say the conveyancing process wasn't the smoothest for me. I believe there were delays from all sides; my solicitor, the seller's solicitor and Primary Finance's solicitor. I think this is the main area that can be improved from my experience and that is the reason I have given 4 stars instead of 5.

However, I will say that Primary Finance were always accessible throughout to answer questions, respond to emails, and chase their solicitor.

We got there in the end though and we have now moved into our new house!

I have to say Primary Finance's product is the only product where I felt at complete ease knowing that I have avoided debt and interest. I was also able to purchase a property of a higher value than compared with other Islamic banks.

I would definitely recommend Primary Finance to anyone looking to purchase a house and avoid debt and interest.

It was absolute pleasure to go through this process with Primary Finance. This has been truly amazing, always prompt meaningful professional responses.

I have been looking for a truly halal option to own a property in the UK. So far I have not come across one except Primary Finance! If you are looking for a halal way of buying a property I strongly recommend you to consider Primary Finance.

I found every member of Primary Finance to be professional, easy to understand and truly customer focused. I will always wish a great success for Primary Finance from bottom of my heart.

Primary Finance (PF) were superb throughout the purchase process. Their efficiency and approachability was instrumental in taking a very sought-after property off the market at short notice, whereas the other prospective buyers were dealing with large conventional mortgage providers who were unable to move at the same speed. Thereafter, I have been able to discuss numerous permutations in terms of finance structure with them and get answers quickly. I wish them every success in the future.