While you wait to buy, your savings are losing to inflation. Amana by Bayuti puts your home deposit into property-backed assets, with an expected 5% annual return and access from 3 working days.
Join homebuyers already growing their home deposit with Amana. Free to register, no commitment required.
By registering you agree to our privacy policy. Capital at risk. Expected 5% return is not guaranteed.
Authorised and regulated by the Financial Conduct Authority
SSB-certified, zero interest, halal home financing pathway
Your savings work in real UK property assets
Not locked in. Under £50k paid in 3 working days, £50k and above within 30 calendar days.
How Amana works
Amana is designed for homebuyers who are waiting to buy. Your home deposit grows in property-backed assets instead of sitting in a low-interest savings account.
Step 1
Create your account, complete identity verification, and pass the investor appropriateness check. Takes under 10 minutes.
Step 2
Deposit from £50. Add a monthly recurring payment and let your investment grow automatically. Pause or cancel any time.
Step 3
Your home deposit is invested into FCA-regulated, Shariah-compliant property assets. Expected 5% annual return, not guaranteed.
Step 4
Amana savers get priority access to CrowdToLive alternative home financing, the halal path to shared homeownership.
Deposit calculator
Compare what your savings earn in a standard UK savings account versus Amana. The gap compounds every month.
3.5% AER
Below inflation. Your money is losing real value.
5% expected*
Property-backed. FCA regulated. Shariah compliant.
*Expected return is not guaranteed. Capital at risk. Actual returns may vary. Past performance is not a reliable indicator of future results.
Expected 5% annual return. Not guaranteed. Capital at risk. For illustration only.
Questions
Yes. Amana is certified by our Shariah Supervisory Board (SSB). All investments are structured to be free of interest (riba) and comply with Islamic finance principles. The product is specifically designed for Muslim homebuyers who cannot use conventional interest-bearing savings products.
No. The 5% is an expected annual return based on the projected performance of the underlying property assets. Actual returns may be higher or lower. Your capital is at risk. You could lose some or all of the money you invest.
Yes. You are not locked in, and there are no early exit penalties. How quickly you receive your funds depends on the amount: withdrawals below £50,000 are paid within 3 working days, and withdrawals of £50,000 or above are paid within 30 calendar days. If your circumstances change or you need your home deposit for a property purchase, you can request a withdrawal at any time.
The minimum deposit to start is £50. You can then add a monthly recurring payment from any amount to keep building your investment automatically. There is no maximum. Amana is designed for homebuyers at all stages of their saving journey.
Amana savers are prioritised for access to CrowdToLive, Bayuti's shared homeownership product. When your home deposit is ready and you find a property, CrowdToLive provides the halal alternative home financing structure to help you buy. Amana and CrowdToLive are designed to work together as a complete path from saving to homeownership.
No. Amana is a property-backed investment, not a bank savings account, so it is not covered by the Financial Services Compensation Scheme (FSCS). It is regulated by the Financial Conduct Authority (FCA). You are unlikely to be protected if something goes wrong. Please only invest what you can afford to lose.
Ready to start
Join homebuyers already growing their home deposit with Amana. Register now. Takes under 2 minutes.
Register my interestFCA regulated. Capital at risk. Expected 5% return not guaranteed. By registering you agree to our privacy policy and terms of use.