Introduce a Universal Partnership Mortgage with no compound interest for all.

Introduce a Universal Partnership Mortgage with no compound interest for all. — 11 signatures. Status: rejected.

Petition background

Give the general population the same fair mortgage choice as Jewish borrowers (Heter Iska) and Muslim borrowers (Halal): a Universal Partnership Mortgage (UPM) – shared equity, no compound interest, available to all. #make usury choice.

Additional details

FCA admits no data on Jewish partnership mortgages – a market failure. Three‑tier mortgage market: Jewish (Heter Iska, no compound interest), Muslim (Halal, no compound interest), general population (conventional compound interest). For a £200k home, general population pays £57k–£96k more. Renters' Rights Act (1 May 2026) forces 220,000 rental properties onto market, creating urgent demand for a fair product. Government must introduce a Universal Partnership Mortgage (UPM) – shared equity, no compound interest – for everyone, complying with the Public Sector Equality Duty (s.149 Equality Act 2010).

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