Forms & Guides

Complete this Quick Enquiry Form to give us a good overview about your finance requirement, the property the finance is for, and brief details about the applicants.

This form asks about your plans for the property you intend to develop. It requires a breakdown of works, such as architect’s plans, planning permission, building contracts, refurbishment, along with a brief description of each, the timeline, and related costs for each item of work.

This form provides us with details about your existing property portfolio. Please list all properties you currently own, excluding your personal home.

This Assets and Liabilities form helps us to understand your financial situation. It is needed as part of your application.

You must submit a fully completed and signed application form, which must be supported by the following documents:

• Evidence of identity (passport, driving licence).
• Proof of address (recent utility bill or similar)
• Evidence of personal income via the latest 3 months’s payslips with P60 or latest SA302’s and Tax Year Overviews.
• Last 3 months’ personal/business bank statements (if applicable)
• Last 2 years company accounts (if applicable)
• Copy of lease/AST (if applicable)
• Full details of investment properties (if applicable)

Offa is an Islamic finance provider, which means we follow Sharia principles. These ethical rules and criteria determine what we can provide finance for.

Below is a list of properties and activities that we cannot fund because they are deemed non-Sharia-compliant.

We are committed to providing easy to understand, transparent information about the fees and charges that could be incurred by purchasing one of our products. These are detailed in our Bridging Tariff List

As part of each application, we assess your credit history. We apply the following criteria:

• No bankruptcy/IVA in last 72 months.
• No CCJs or defaults in last 72 months*
• No missed payments on secured commitments in the last 72 months.
• No voluntary enforced possession.
• An up-to-date UK credit report.

*Subject to satisfactory explanation, a previous historic satisfied CCJ or default can be considered if amount was less than £500 and more than 36 months ago.