Insha Allah things will change, Muslims in the UK will start to select leaders in their communities who will take Muslims forward, towards halal loans. One possible solution...though I am not sure I know how it would work amongst Muslims. The BBC recently had a page about peer to peer money lending http://www.bbc.co.uk/news/business-18370777 it by-passes the banks and put lenders and borrowers in touch directly. Muslims might be able to do something similar but of course they do not charge interest. Maybe money could be borrowed to some other Muslim in return for a share in the property or business? I think it is a good opportunity which some Muslim may undertake...think about the rewards from Allah if someone does it.