[aspinswramymn]

as-salamu `alaikum sidi,

That was to do with taking interest not giving interest - abuH can correct me if I'm wrong. Also that fatwa is from years ago - I don't even think there were other halal options at that time.

Anyway I don't think you've got all your facts right. I've got HSBC amanah home finance and a good friend of mine has the Lloyds one.... I am pretty sure that when I last looked into all of this a few years ago you didn't need 20% down payment but only 10%. Have you actually arranged to meet their financial advisors?

With my scheme we part own / part rent the property which is similar to what you described... I would avoid the conventional mortgage if I were you. Also, aren't you a doctor? Save up for a while I'm sure you'll be able to collect enough for a deposit even if it is 20% for HSBC/Lloyds/Islamic bank. Of course some people even dispute whether these halal mortgage schemes are allowed but at least you'll have the Mufti Taqi stamp and less guilt insha'Allah

was-salam