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Selling the house before the bank is gone.
A mid-plan sale is not a redemption statement plus estate agent. It is a sale of your share and a purchase, or transfer, of theirs — on a timetable English conveyancing will not hurry.
The Mizan desk · 7 September 2026 · 8 min
You want to move. The bank still owns 40%. The buyer has a Halifax offer. Somebody has to buy the bank’s units, or the bank has to agree a new partnership with a stranger, which they will not. In practice you settle the plan on completion: buy remaining units, sell the whole, or the incoming finance — if it is another HPP — steps in. Timing is the pain. Islamic books are slower. The faith-penalty survey was about this, even when it thought it was about onboarding.
If they must consent to the buyer, you do not yet own what you are selling.
Consent and equity
Read who must consent, how the sale price is split, and whether a shortfall is a debt you still owe after the walls are gone. If a shortfall follows you as a loan, the destruction test already failed. Costs, early-settlement unit prices, and the buyer’s chain will eat equity the kitchen spreadsheet did not show.