Is my eligibility date guaranteed?

The dates shown on your dashboard are estimates only and may change. They are based on your current savings, points and position, all of which can move over time.

Like all home finance providers, we cannot guarantee timeframes at any stage of the process. All applications are subject to our standard underwriting, affordability and conveyancing checks, and investing with us does not guarantee that finance can be provided.

You should not invest if you have a fixed deadline by which you need to complete.

• How long are the wait times for Pfida’s halal home finance with SaveTogether?

Based on how much of your down payment you have with us, your expected wait time follows a clear pattern.

As a general guide (assuming your full down payment is saved from day one):

• 15% down payment → approximately 24 months

• 20% down payment → approximately 18 months

• 30% down payment → approximately 12 months

For example, if you required £300k of funding, and invested £300k x 20% = £60k into your GYS Home account with us, then you would expect to meet the eligibility criteria in around 18 months. This relationship can be easily extrapolated, meaning the larger your down payment, the shorter your expected wait time.

In practice, most customers build up their savings over time. Your dashboard will show a personalised timeframe, including your estimated Eligibility Date, based on your actual savings history and Community Points.

As with all home finance in the UK, these timelines are estimates and may change depending on your savings behaviour, withdrawals, and any updates to your finance requirements.