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We are not a lendercheck your readiness

Miftah Capital

Ethical home finance readiness

Find out if you are ready to own a home.

We check whether you are ready for non-interest home financing, tell you exactly what is missing, and introduce you to a partner who can fund it. The first check is free.

Check your readiness — freeHow it works

EthicalAffordableAccessible

A terrace of two-storey homes lining a paved street in a Nigerian residential estate at sunset.
Homes Nigeria is short of
20M+Homes Nigeria is short of
Interest, at any stage
0%Interest, at any stage
Of Nigerians mortgages leave out
80%Of Nigerians mortgages leave out
Your first readiness check
FreeYour first readiness check
A quiet residential street in a Nigerian estate, lined with gated two-storey homes and palm trees.

The problem

Most people are not turned down for the reason they think.

  1. A no with nothing attached

    You get rejected and nobody tells you why, or what would have to change for the answer to be different.

  2. The paperwork, not the money

    Most people can afford it. What they cannot produce is their income in the shape a financier expects to see it.

  3. Terms built to exclude

    Conventional mortgages charge interest, take months, and rule out eight in ten Nigerians. The ethical options still use bank rules.

What we do

We do the part everyone skips.

Before anyone can finance a home, somebody has to work out whether they are ready. Nobody does that job honestly, so we built it.

  1. Check your readiness

    A few questions, a few minutes, free. You get an indication before you share anything sensitive.

  2. See exactly where you stand

    A score built from what you do with money, not a credit file you were never allowed to build. Every factor explained.

  3. Fix it, or get certified

    Not ready is not a no. You get an ordered plan — what to fix first. Ready, and you get a certificate a partner trusts.

  4. Meet an ethical partner

    We introduce you to a finance partner offering non-interest terms, and to verified homes you can actually complete on.

See the financing this leads to

Why Miftah

Built for people the banks turn away.

  • No interest, anywhere

    Every partner we introduce you to offers non-interest terms. If a structure is not ethical, it does not go on the panel, however good the rate looks.

  • No credit history needed

    We assess you on income patterns and payment behaviour, not on a borrowing record you were never allowed to build.

  • An answer, not a rejection

    A bank says no and closes the file. We say not yet, show you the gap, and stay with you until it closes.

  • Assessed from anywhere

    Living abroad? Your salary in pounds, dollars, euros or dirhams counts, and you do not have to fly home to be verified.

  • Nothing read without permission

    You see what we are asking for and why before you hand over a single statement. You can stop at any step.

  • Open to everyone

    Built on Islamic finance principles, available to anyone who wants terms that are fixed and explained.

Where we stand

Early, and open.

  • Live

    Readiness checks are open

    The first assessment is free and takes minutes. Nothing to join first.

  • 100+

    Developers interested

    Property developers who want to list verified homes with us.

  • Backed

    Innovest Afrika

    Selected for the Ignite Accelerator programme.

A couple standing in the doorway of their home, smiling at each other over a morning cup of tea.
The MiHome homebuyer dashboard: a readiness overview with five steps — identity, finances and assessment complete, certificate and introduction still to come.

Get started

Start where you are.

MiHome is where it happens. Check your readiness, see your score, and find out what stands between you and a home. It costs nothing to know.

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