Amana by Bayuti: Make Your Deposit Work

Capital at risk. Don't invest unless you're prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong. Expected returns are not guaranteed. Take 2 minutes to learn more.

FCA regulated  ·  Shariah compliant  ·  Now open

Your deposit is
sitting still.
Make it work.

While you wait to buy, your savings are losing to inflation. Amana by Bayuti puts your deposit into property-backed assets, with an expected 5% annual return and access in 3 working days.

5%*
Expected annual return
3
Working days liquidity
£500
Minimum to start
0
Management fees
Start building my deposit See how it grows

Register your interest

Join homebuyers already growing their 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.

FCA regulatedAuthorised and regulated by the Financial Conduct Authority
Shariah compliantSSB-certified, zero interest, halal home financing pathway
Property-backed returnsYour savings work in real UK property assets
Access in 3 working daysNot locked in. Withdraw when you need to.
How Amana works

Four steps from
deposit anxiety to growing wealth

Amana is designed for homebuyers who are waiting to buy. Your deposit grows in property-backed assets instead of sitting in a low-interest savings account.

Step 1

Register and verify

Create your account, complete identity verification, and pass the investor appropriateness check. Takes under 10 minutes.

Step 2

Fund your wallet

Deposit from £500. Add a monthly standing order and let your savings grow automatically. Pause or cancel any time.

Step 3

Earn property-backed returns

Your deposit is invested into FCA-regulated, Shariah-compliant property assets. Expected 5% annual return, not guaranteed.

Step 4

Unlock CrowdToLive

Amana savers get priority access to CrowdToLive home financing, the halal path to shared homeownership.

Deposit calculator

See the difference
Amana makes

Compare what your savings earn in a standard UK savings account versus Amana. The gap compounds every month.

Average UK savings account
3.5% AER
Below inflation. Your money is losing real value.
Amana by Bayuti
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. FCA regulated by ECMS Ltd.

Your deposit growth calculator

Monthly deposit £500
Saving period 20 months
Your Amana total
£10,437
Earned £437 above what you put in
Standard savings (3.5%)
£10,306
Amana (5% expected)
£10,437
Expected 5% annual return. Not guaranteed. Capital at risk. For illustration only.
Start building my deposit
Questions

Everything you need to know

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. Amana is regulated by the FCA and is authorised under ECMS Ltd.
Yes. Amana offers liquidity from 3 working days. This means you are not locked in. If your circumstances change or you need your deposit for a property purchase, you can request a withdrawal and receive your funds within 3 working days. There are no early exit penalties.
The minimum deposit to start is £500. You can then add a monthly standing order from any amount to keep building your deposit 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 deposit is ready and you find a property, CrowdToLive provides the halal 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 however regulated by the Financial Conduct Authority (FCA) under ECMS Ltd. You are unlikely to be protected if something goes wrong. Please only invest what you can afford to lose.
Ready to start

Make your deposit
work harder

Join homebuyers growing their deposit with Amana. Register now. Takes under 2 minutes.

FCA regulated. Capital at risk. Expected 5% return not guaranteed. By registering you agree to our privacy policy and terms of use.

Amana by Bayuti is operated by ECMS Ltd, authorised and regulated by the Financial Conduct Authority. Capital at risk. Expected returns are not guaranteed. Shariah compliance certified by our Supervisory Board.

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