Mortgage Alternatives (MALT®)


Mortgage Alternatives (MALT®) refers to our term for processes that meet the interest-free real estate finance needs of consumers & businesses.

SHAPE® has structured mortgage alternatives (MALT®) for the US, Canada, Europe and the GCC. SHAPE® has the keys to Ijarah wa Iqtina – Redeemable Leases; Musharakah Mutanaqisah – Declining Balance Partnerships; and Murabahah – Installment Credit Sales.

Our solutions meet consumer protection standards like RESPA in the United States and fit within banking and mortgage regulations, as well as securitization processes.

In the United States, SHAPE® is pleased to have structured Ijarah and Murabahah home finance solutions which are offered as a comprehensive servicing and trust packages through a community bank in the United States.

MALT® products are available for licensing.