Offa Avaliações 

Great experience with Offa. Getting the DIP was really easy and straightforward. Massive thanks to Qadeer Malik and Ibnan Ali for all their help!

Excellent customer service and a timely and informative response to my enquiry. Very impressed with the service and the product .

We had a great experience using Offa for Islamic financing of our first house purchase. Despite the uncertainty with their funding situation in September, everyone we spoke to from Offa were informative, polite and reassuring. They delivered our funds on the agreed date of exchange, and I would highly recommend them.

As a first time buyer, this experience was quite daunting at first as everything felt unfamiliar. However, OFFA’s service has been nothing short of amazing from the start. Not only are they incredibly responsive in their service, they try their best to accommodate your needs as much as possible. A special mention for Nagina (who helped me all the way)!
I was in a bit of a race with another buyer and was very worried I’d lose the property. Long story short, I needed a valuation booked ASAP. Nagina was incredibly responsive and accommodated me at VERY short notice to complete my mortgage application. My application was submitted just before 5pm the very same day and my valuation was booked before 9am the next morning. I could not be more grateful to Nagina for all of the effort she put in to ensure I had the best chances.

Nagina’s responses are super prompt and she takes a lot of care in explaining all the little details and ensures you have a good understanding of the processes/services.

Overall my experience has been pretty smooth. The website is very easy to navigate and is super informative which made it super easy for me to reach out to OFFA and make an enquiry. They’re always ready to answer and questions and help you feel at ease.

Dipika Nessa

Spoke with Shaija Sultana and she explained me whole process very clearly

I have just done my application process with brother Qadeer Malik.the brother is very sincere and explained everything I asked him.one of the things I found with offa is that they are very very quick and fast.

I had a really positive experience purchasing my home through Offa, and I’d especially like to thank Nagina for all her help throughout the process.

From the beginning, Nagina was friendly, approachable and genuinely took the time to listen and understand my circumstances. She explained the whole process clearly and was always happy to answer any questions I had.

Buying a house can be quite overwhelming, especially when using a different type of home finance scheme, but Nagina never made me feel lost or unsure about what was happening. She kept me informed and made sure I understood each stage before moving forward.

I’m really grateful for her support and would definitely recommend Offa, and Nagina in particular, to anyone considering buying a home through their scheme.

I’m a self-employed, independent mortgage broker and have been in the industry for many years. I work with a wide range of lenders and I’m not aligned to any particular lender, so I’m a big believer in giving credit where credit is due.

I’ve worked with Offa on a number of cases and, honestly, my experience with them has been very positive. What they provide for the Muslim community is hugely important — a genuine halal home finance option for people who want to buy a home without compromising their beliefs.

I recently had some first-time buyers complete on their first home through Offa. Their completion was delayed, so they could quite understandably have come away focusing on the negatives.

Instead, once they completed, they asked me to pass this message on to the Offa team:

“Thank you for all your help throughout the process. May Allah reward you in abundance.”

That really stuck with me.

As a broker, I get to see a lot of what goes on behind the scenes. No lender gets everything right every single time, and sometimes things happen that are outside of anyone’s control. What matters is how people deal with those situations, and I’ve always found Offa to be transparent, proactive and willing to go the extra mile to help.

Their team have always been approachable and professional whenever I’ve dealt with them, and I’ve seen them genuinely try to find solutions for both brokers and clients.

I’m not affiliated with Offa, I’m not paid to write this and I have no reason to favour them over any other lender. I’m simply giving credit where it’s due.

What Offa are providing for our community is important, and in my experience, the team deserve a lot of credit for it.

I cannot even begin to describe what an amazing experience I have had with OFFA for the Islamic financing of my new home. You'd have thought getting a mortgage would be stressful, but it was a breath of fresh air!

I have had experience with Gatehouse bank in the past and the sale fell through due to the time it took to get an offer, with OFFA I got confirmation of an official offer only 6 working days after my official application, and that was even delayed due to an additional document I had to complete on my end. You can tell the structure of the organisation and the collaborate between the advisors and the underwriters are extremely efficient.

A soft credit check was done in my initial phone call to give piece of mind that they were no issues on that front before an official application, then the call re full application was extremely straight forward and was scheduled relatively quick after filling the form on the website. The advise that Nagina gave was also really useful. I then had to submit a few documents which were not that exhaustive, didn't even need to submit bank statements (with Gatehouse I had to do an entire excel spreadsheet outlining my monthly expenditure on things like clothing, which are naturally an ad-hoc purchase) - these were checked and approved in only a few working days. The valuation of the property happen ONE DAY after submitting the documents - the estate agent called and mentioned it, I was in disbelief that it happened so quick.

Nagina was unbelievably responsive and would often reply to emails within 10 minutes and presenting the relevant documents in no time.

On a personal note, this bank seems to be proudly Islamic, the advisors give their salaam on the emails and use Islamic terminology in phone-calls etc...I know this may seem like a small detail, but to maintain your Islamic identity in a sector like Finance is extremely admirable.

Genuinely cannot recommend OFFA enough for Islamic home financing...I was astounded with how smooth the process was and how efficient everything was. The price of their products/fees are in-line with Gatehouse too.

I am extremely disappointed and frustrated with OFFA’s handling of my property purchase. This is particularly serious because this is an AUCTION PROPERTY, meaning there is a strict contractual completion deadline that must be followed. This is not a normal purchase where completion can simply be delayed without potentially serious consequences.

OFFA was fully aware that this was an auction purchase and that there was a strict deadline. I discussed this with OFFA over the telephone, and I was verbally assured that they were aware of the deadline and would deal with the funding accordingly.

My agreed completion date was 15 September 2026.

Today is 17 September, and completion has still not taken place because OFFA has not released the funds to my solicitor.

For the last four working days, I have repeatedly been told that the funds will be released “soon”. Yet the funds are still not with my solicitor.

What makes this even more frustrating is the lack of proactive communication from OFFA.

I should not have to repeatedly chase a lender for information about funds required to complete an auction purchase where the completion date and deadline were known in advance.

On one occasion, I managed to speak directly with someone at OFFA who told me that my case was their first priority and that I was at the top of the list. I appreciated that reassurance at the time.

However, that was two days ago, and since then I have received no meaningful update and, most importantly, the funds have still not been released.

So I am left asking:
What does “first priority” actually mean if the funds are still not being released?

The problem is not simply the delay itself. It is the combination of:

An auction property with a strict completion deadline;
OFFA being fully aware of that deadline;
Completion being agreed for 15 September;
The funds still not being released as of 17 September;
Repeated assurances for the last four days that the funds would be released “soon”; and
No proper proactive written communication explaining what is happening or giving a firm release time.

This puts me in an extremely difficult position. An auction purchase has consequences when contractual deadlines are missed. I entered into this transaction relying on the finance being available and on OFFA's representations that they understood the nature and deadline of the transaction.

I do not want another generic response telling me that my case is being prioritised or that the funds will be released shortly.

I need a clear answer: WHEN WILL THE FUNDS ACTUALLY BE RELEASED TO MY SOLICITOR?

If there is an internal issue at OFFA causing the delay, then customers should be told clearly and promptly. We should not have to spend days chasing the lender while an auction completion deadline has already passed.

I chose OFFA expecting a professional lender to fulfil its funding commitment on the agreed completion date. At this stage, I am extremely unhappy with the way this situation has been handled.

OFFA, please stop telling me the funds will be released “soon”.

Release the funds, communicate properly with your customer, and allow my auction purchase to complete.

I will continue to update this review until the matter is fully resolved.

Reported to the FCA, Financial Times, Martin Lewis and the BBC.

Absolutely terrible organisation, causing lots of distress and financial expense to scores of families who are supposed to be excited and happy about moving home.

Please do not bother replying to this review with a generic response like you have with all the others, too late for that now, to quote your homepage "Swift, simple, faith based finance".

Time to be honest about your situation and be "Transparent and Fair" as stated on your website.

Utter bunch of cowboys DO NOT USE.
We have been waiting on this useless company to come up with the funds to complete on the purchase of my house.
It is now over 3 weeks since the first exchange date has been and gone, now I have been told by my buyers solicitor they now have a 'system' fault and won't be able to estsablish any transactions for at least another 2 weeks - I have never heard of such rubbish and lies.
A total unprofessional company and should not operate in the financial market - avoid these charlatans !!
From their response below and the other appalling reviews they have had in the past, it is obvious they should not be in the financial market - a total incompetent company and hopefully should fold due to their total lack of proffessionalism.

I am absolutely furious with how Offa has handled my purchase.

We were preparing to complete on 11 September. My wife had spent hours packing, family and friends were ready to help us move, and our insurance was arranged.

Then, right at completion, I was told Offa could not release the funds and that 18 September was now only the EARLIEST they may be available.

So what exactly am I supposed to plan around?

My rent is due on the 15th and my landlord requires one month’s notice, so this delay could now cost me another month’s rent.

What makes it worse is seeing multiple recent reviews from other customers having the same problem. I also emailed the completions team explaining the impact on my family and have had no reply.

I chose a Sharia compliant HPP because I wanted a halal alternative I could recommend to others. Instead, I am now deeply disappointed and questioning whether Offa can actually deliver when it matters most.

I do not want another explanation. I want the funds released and the purchase completed.

Sort it out!

Update - Response to Offa

If you had read my message properly, you would realise that I have already emailed you and received no reply, and I already know the same excuses you keep repeating. We do not want more excuses - what we need now is a solution.

UPDATE 2 – 8 September 16:27

This is getting ridiculous.

Offa has edited its public response to my review twice within minutes. Their latest response says they are working to get my funds released, yet privately I still have nothing from the completions team.

Offa has now replied to my email, not from the BTLCompletions email address, but from Offa’s complaints department. I still have no answer about my completion funds. Instead, their complaints department has registered a formal complaint and told me they have up to eight weeks to provide their final response. At this point, it genuinely feels like Offa is taking the mick.

My completion is supposed to be THIS FRIDAY. I am asking one simple question: Will my completion funds be with my solicitor in time for Friday 11 September, YES OR NO? Please do not simply repeat that 18 September is the "earliest".

This whole situation has already caused huge stress and upset my wife, who had spent hours packing for our move.

Enough with the apologies and processes. I want a straight answer, and I want my purchase completed.

I will continue updating this review until this is resolved.

UPDATE 3 – 8 September 19:00

Offa has edited its public response AGAIN and has now looped straight back to telling me to email BTLCompletions.

I ALREADY HAVE. BTL Completions have NOT replied.

Earlier today Offa publicly said they were flagging my case and “working to get your funds released”. That wording has now disappeared.

Screenshot taken. I have kept every version and the full email trail as evidence for the Financial Ombudsman Service.

The FCA states:

“A firm must maintain adequate financial resources.”

“A firm must avoid causing foreseeable harm to retail customers.”

“A firm must communicate information to retail customers in a way which is clear, fair and not misleading.”

Stop sending me around in circles.

Will my completion funds be with my solicitor for Friday 11 September, YES OR NO?

UPDATE 4 — 12 September, 9:34pm

Completion has now taken place. I am grateful to my mortgage broker for his tremendous help, and I believe this review also helped ensure my concerns were taken seriously by Offa.

For clarity, 11 September had already been agreed as the completion date. I was then told in writing that, due to an internal Offa issue, the EARLIEST funds could be sent was 18 September. Completion ultimately took place on 11 September.

At 8:15pm on Saturday evening, Offa emailed asking me to update my review to “reflect the truth”. I waited for their position on the 11th and 18th to be put clearly in writing before responding with screenshots showing the documentary chronology.

This followed earlier attempts, which I heard first-hand, to have my review deleted through our solicitor.

I have now made clear that I consider the matter closed and have blocked further emails from the individual concerned.

As a courtesy, I have increased my rating to 2 stars. I may update it again in time if I am left alone and there is no further attempt to influence my review or gaslight me regarding the dates despite the documentary record.

*** Update ***

Offa managed to fulfil the completion a week after agreed date. Mehreen did her best to communicate with me and get it done. May Allah reward her.

I have also got my refund for all the fees that arose from Offa delay.

However, dissappointed that we did not get any form of welcome letter or call explaining the first direct debit. Offa did breach the direct debit gurantee by taking the first payment without notifying us on the actual payment or exact date. Advance notice wad supposed to be given, but we got nothing! Only when we chased it up did they act!

Would be better personally if Offa focuses on building something online or App, so their partners know exactly where the money is going and how much is left to pay.

Bitter sweet feeling with Offa. Hoping they get better over time. In shaa Allah

****

Offa’s so-called Sharia-compliant partnership!

Everything looked great in theory. We were remortgaging to leave mainstream finance. Everything was signed, the completion date agreed, and we fulfilled everything required of us.

Then completion day arrived — and Offa did not release the funds.

Despite me calling and emailing, not a single person from Offa contacted me. We were left chasing answers while the clock kept ticking.

The consequences? We are now paying a higher rate with our existing lender, as well as higher interest every day until the funds are fully released and cleared.

What a joke!

Why did you sign contracts and agree a completion date knowing you did not have the funding available?

And this is where your so-called partnership matters most: completion day. This is when commitments and contracts are supposed to mean something.

Had the situation been reversed and we had defaulted on our obligations, would Offa simply have shrugged its shoulders and accepted the consequences? Of course not. We would be expected to deal with the financial and contractual consequences.

So why should Offa be any different?

FEAR ALLAH in how you fulfil your oaths and contracts. Anyone who genuinely fears Allah should understand the seriousness of making commitments and then failing to fulfil them.

And to the Offa staff member below asking customers to contact you — shame on you! The duty is on you to contact every affected customer, explain what has happened and take responsibility.

We have children to feed and are already dealing with the pressures of the cost-of-living crisis. Yet because of Offa’s failure to complete, we are expected to continue paying higher costs and absorb the financial consequences ourselves.

Are we simply expected to pay for everything while our children may go hungry??? Is this Sharia??

Judging by some of the other reviews, this does not appear to be an isolated concern about how Offa treats its partners when things go wrong.

Our demand is simple: Offa must reimburse us in full for every additional cost caused by your failure to complete on the agreed date — including the additional interest and higher mortgage costs incurred as a direct result, until the funds are fully released and the matter is resolved.

Why should we pay for Offa’s failure?

I sincerely hope Offa fears Allah, fulfils its current obligations, and stops signing contracts it cannot properly fulfil. Do not bite off more than you can chew when other people are left carrying the consequences.

For anyone considering an Offa product, go in with your eyes wide open. The product may be Sharia-compliant, but based on our experience, the way Offa handled its partners — where it matters most, on completion day — was NOT Sharia-compliant.

If we had defaulted, we would have been expected to face the consequences. Offa should be held to the same standard.

You will not get away with this, Offa!!!

***Update*** and to top it off had they read my review it would have been reflected in their silly response. Goes to show generic copy and paste without even reading what I have put!! FYI i have already emailed them on Friday. Still waiting...

If I could give a minus I would, this company has seriously stressed me and my family out, my wife and I have been in property for over 60 years between us as owners and managers, we are in a property chain and the bottom of the chain is using this company, short story the bottom of the chain took months and months to get to exchange of contracts and then amazingly failed to complete on the 1st sept and still haven’t completed and it’s the 5th sept due to this company and their screw up, the stress and loss of finances has been extremely damaging yet my solicitors mentioned they don’t want to pay the losses only the interest accrued on the chains loss, I’m over £5000 pounds down not including stress and our mental health, we have sent the details to our solicitor who crazily enough havnt actually seen a failed completion so we will be complaining to the financial ombudsman, they have asked trustpilot to see if i can add more info to see if they recognise my complaint, believe me they know my case alright BE CAREFUl OF THIS ORGANISATION PLEASE

Avoid at all costs.
My experience with this lender has been extremely distressing and, quite frankly, unacceptable.

They will allow you to exchange contracts and agree a completion date, giving you every reason to believe that the funds will be available when you need them. Come completion day, families who are completely unaware of any issue can pack up their entire homes, only to reach the end of the day and be told that the funds have not been released.

What follows is a cycle of promises that the funds will be released “tomorrow” or “the next day”. In our case, this continued for nearly a week, with each day ending without the promised funds being released.

We subsequently discovered that there were apparently no funds available to release, and that similar issues were affecting multiple people who had borrowed from this lender. If this was known in advance, it raises serious questions about why customers were allowed to proceed to exchange and set completion dates in the first place.

The consequences for families are enormous. People can be left living in empty homes, surrounded by the disruption of a house move, with young children affected by circumstances that are completely outside their control. The financial and emotional implications can be devastating.

I would strongly urge anyone considering using this lender to do their research and think very carefully before proceeding.

Offa, an FCA regulated lender failed to release funds to our buyers only informing the solicitors after 3:30pm on the day of completion, by which point my family and I had already vacated our family home with all our possession in transit. This "internal issue" which has been repeated many times by others on Trustpilot has had a catastrophic impact both financially and emotionally to all parties in the chain.

When completion was rescheduled to three days later, Offa released the funds too late in the afternoon for all the transactions to clear causing the entre chain to fail a second time. As of today (05/09) our purchase transaction remains incomplete, six days after the original completion date.

We are left thousands out of pocket in storage costs and additional expenses to live in our own home without our personal possessions. To date there has been no offer of compensation or support from Offa to everyone impacted.

As an FCA regulated firm you have a duty to act in a way that avoids foreseeable harm to consumers. If there is no offer to compensate, this matter will be referred to the Financial Ombudsman Service and the FCA.

You are my buyers' lender. We have suffered massive delays because of you. Everyone in the chain has been ready to go since 31st July. We are now 4 weeks behind initially proposed completion date of 7th August. Once we had finally agreed completion date of 11th September with everybody, the completion has been cancelled with no end or date in sight, just 1 week before! Apparently, you won't be able to fund their completion on the 11th. The earliest we'd be able to complete now is the 18th, 6 weeks behind schedule, though even that is not confirmed! Disgraceful. Other nonsense such as completion only on Fridays and exchange/complete must be on the same day. Never heard such rubbish.

Extremely disappointing experience at the final stage of my home purchase.

After progressing through the entire process and reaching the point of preparing for completion, I was suddenly informed that Offa was experiencing an “internal system problem” and would therefore be unable to release the completion funds as expected.

This has resulted in a delay of more than two weeks at the most crucial stage of the purchase.

What is particularly frustrating is the lack of transparency. “Internal system problems” is an extremely vague explanation when customers are making major financial and personal arrangements around completion.

A home finance provider should have robust processes in place for releasing funds once a case reaches completion. Customers should not get all the way to the final stage before discovering that the provider cannot release the money when required.

Very disappointing and far below the professional standard I expected.

I will update this review depending on how the situation is handled and whether the delay is resolved.

I have been working with Nagina Haroon. She's exceptionally supportive. Happy to recommend OFFA.