Financial products for the UK real estate market designed in accordance with recognised, universal Islamic and ethical financing principles.

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Max term

100k - 1.5m

Min/Max Loan



OFFA was formed to shake up the status quo and provide an alternative approach to finance, an approach underpinned by ethical and social harmony. The founders believe that long-term success is only achieved by ensuring all stakeholders are given the due consideration they deserve. Consequently, they encourage socially responsible projects which benefit the local community and society at large.

The highly experienced team at OFFA are fast, efficient, and reliable. They offer a professional, straightforward, and no-nonsense service. To deliver the most practical and bespoke financial solutions they work closely with both customers and their professional partners. By ensuring that everyone is working con-currently and with a common purpose they deliver in timescales that allows their clients to maximise opportunities.

Currently offering first charge bridging loans against both residential and commercial property they have plans to expand their product range to include refurbishment and planning bridges, stretched development and a shared ethical risk product. Loans are available for limited companies, limited liability partnerships, partnerships, and individuals right across both England and Wales and there are no early repayment charges. Combine all the above with competitive interest rates and an adherence to both ethical and of course Islamic financing principles and it’s clear to see what a compelling proposition OFFA present.

Meet the team

Latest news from OFFA

Contact OFFA

Head Office

105 Victoria Street

Operations Office

Suite 5
Corner Oak
1 Homer Road

SW1E 6QT or B91 3QG

+44 121 667 7291 or Tarek Kallel on +44 788 795 4447

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Frequently Asked Questions

What is a bridging loan?

A bridging loan is a short-term loan secured against property. It allows you or your business to “bridge a gap” until either longer-term finance can be arranged, or the underlying security or other assets can be sold.

What can I use a bridging loan for?

Bridging loans can be used for a wide variety of purposes. Perhaps the most common purpose is to allow you to buy a new home or business premises before you have sold your existing property. They can also be used by investors to buy property at auction, landlords to acquire buy-to-lets, developers to acquire and renovate properties and businesses to raise working capital. There are a myriad of different uses and can help to find the best loan for you.

How much can I borrow?

Loans generally range from £10,000 to £50M with smaller or larger amounts provided on an exceptional basis. The value and equity within the property or properties you are securing against will determine how much you can borrow. The maximum loan to value (LTV) currently offered by most lenders ranges between 65-80%

How do I apply for a bridging loan? can help you secure a bridging loan tailored to your own unique circumstances in a matter of days. We can guide you through the entire process from initial enquiry to funds being released in the shortest possible timeframe.

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