Social impact
You are the solution.
You already knew the housing system is broken. What nobody tells you is that the money sitting still in our accounts is part of what keeps it that way. Yours does not have to be.
Impact investing
Most investing is invisible. This has an address.
Impact investing means knowing what your money actually does between the day you put it in and the day you take it out. Here is the same pound, taking two different routes.
Around £252 billion sits in UK accounts paying no interest at all, close to fourteen pence in every pound of household cash, on Bank of England figures reported in early 2026. That money is not lost. It is just not doing anything, for anyone, including you.
Where your money goes
It goes round, and it comes back to you
Amana by Bayuti is an indirect investment that pays dividends, not the direct purchase of a property. You own a share of the investment, not a share of a house.
Our why
We own together. We owe no one.
A home should not require a lifetime of debt to a bank, and a good return should not require someone else's interest payments.
That is the whole reason Bayuti exists. Amana is the investing side of it, and the two are the same system seen from opposite ends. Your money is on the side that usually only banks get to stand on.
Straight answers
What your money does, and what it does not
Nobody pays interest
Your money is not lent to anyone. You are paid from what the property earns, so your return never comes out of somebody's debt repayments.
ButThat is about how the money is earned. It does not make it safer.
It pays for real homes
Behind your investment are UK homes that people live in, bought without a mortgage.
ButHouse prices fall as well as rise, and your investment falls with them.
Your money stops sitting still
Money in an account paying nothing buys a little less every year. This is choosing to do something else with it.
ButDoing something else is a different risk, not a smaller one.
This is not charity
You are investing, not giving. The good it does comes from the way it is built, not from you giving something up.
ButDividends are not guaranteed, and you could get back less than you put in.
Why we built it
Borrowing to buy a home has a design flaw
It works best when houses are expensive, when the loan is large, and when paying it back takes decades. The system does not need your home to be affordable. It needs your loan to be big.
Most people accept it because there has never been anything else. For some, borrowing at interest is not a preference to weigh up. It is a line they will not cross, and the market has offered them no way through.
One person choosing differently is a personal decision. Ten thousand people choosing differently is a different housing market.
Questions
Before you start
How is this different from any other property investment?
No interest is charged or earned anywhere in it, and the homes behind it are the route Bayuti customers use to own without a mortgage. Your return comes from what the property earns rather than from anyone's debt.
Can you prove the impact?
[confirm what can be evidenced and reported to investors, and how often. Any impact claim on this page has to be capable of substantiation]
Is this charity?
No. It is an investment, your capital is at risk, and you are aiming to be paid dividends monthly. The good it does comes from how it is built, not from you giving something up.
What kind of product is this?
It is an investment, and nothing like a deposit account. There is no interest, no guaranteed return and no FSCS protection. The value can fall as well as rise and you could get back less than you put in.
When am I paid?
Dividends are paid monthly from what the underlying property earns. You can take them out or reinvest them. They are not guaranteed and can stop.
How do I take my money out?
We recommend three working days' notice for amounts under £50,000, and 30 calendar days' notice for £50,000 or above.
Is it Shariah compliant?
[confirm oversight wording, certifying body and certificate link]