Waqf Wakalah is not currently authorised or regulated by the Financial Conduct Authority (FCA). The content on this website is for informational purposes only and does not constitute an offer, solicitation, or recommendation to invest or participate in any financial product or service. Any future services described are subject to regulatory approval and may not be available as described.

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FAQ

Your Questions Answered

Below are answers to common questions about the Waqf Wakalah model, our mission, and our strategy for building a sustainable financial ecosystem for our community partners.

Waqf Wakalah is a financial-technology platform creating a “Unified Waqf” (endowment) for the community.

Our primary goals are twofold:

1. To bring together partner organisations (charities, educational institutions, mosques etc.), to achieve financial self-sustainability by investing their idle funds for high, halal returns.

2. Revive the Sunnah of waqf like never before.

As a core part of our mission, we are committed to practicing what we preach by first investing in our own waqf to build long-term financial self-sustainability. From the returns of this waqf, we will give back 51% to eligible charities.

Waqf Wakalah is a limited company for operational agility, while contractually embedding our social mission. Regardless of the final legal entity, our operational ethos is that of a social enterprise, with a core commitment to redistribute the majority of our profits back to charities that have a waqf account with us.

We use a diversified, multi-tiered investment strategy designed to de-risk capital while maximising
growth:

Tier 1 (Foundation): Your money first goes into stable, income-generating assets like property. This creates a reliable base of steady returns. 

Tier 2 (Growth): Only the profits from Tier 1 are used here, aiming for higher returns with a bit more risk.

Tier 3 (Acceleration): Profits from Tier 2 can be invested here in higher-risk, higher-reward opportunities. We follow strict rules to take out your original investment once it doubles, keeping your starting money safe.

After an initial contribution is invested in our first tier (property), depending on the investment, returns are projected to commence within approximately 90 days. Following this initial period, returns are generated and made available quarterly. Partners can then choose to withdraw their profits for their operational needs or reinvest them for a compounding effect.

At Waqf Wakalah, we actively encourage any genuine effort to revive the institution of waqf. Whether an organisation builds its own waqf or partners with us, the end goal is the same: long-term sustainability and lasting sadaqah jariyah. The question, therefore, is not whether an institution should do its own waqf, but whether doing so independently offers the same level of risk protection, returns, and long-term efficiency as joining a collective model like ours.

Below is a clear breakdown of why many institutions choose Waqf Wakalah.

Risk
When an institution uses its own limited funds to acquire a property for an income-generating waqf, it is usually operating with a small pot of capital. This means the entire waqf often depends on one single asset. With all funds tied to one property, the risk exposure is naturally high.
If anything goes wrong with that single asset, the impact can be severe. For example:

• If an insurance company rejects a claim after a fire, the institution could lose the entire value of the property.

• If a difficult tenant refuses to pay rent or refuses to vacate, the income stream could be disrupted for months or even years.

With Waqf Wakalah, the model is built intentionally to avoid this “all eggs in one basket” scenario. We pool funds and invest across numerous properties and other income-generating assets. This spreads risk over a large portfolio. If an insurance issue arises or a small number of tenants default, this affects perhaps 1–2% of the portfolio, not 100%.

We also provide rent guarantees as standard. Institutions are therefore insulated from the operational and financial risks that are normally associated with managing a single asset. Over time, as the portfolio grows to hundreds or thousands of properties, the risk-level continues to dilute.

Returns
Institutions that establish their waqf independently often limit their potential returns simply because they operate at a much smaller scale. For example, a masjid purchasing an adjoining property may achieve 5–7% ROI, which is respectable but restricted by size, purchasing power, and limited deal flow.

Waqf Wakalah operates on a collective model that unlocks higher returns through:

• Access to better-priced deals due to scale

• Superior negotiating power

• The ability to acquire properties and assets that smaller institutions cannot easily access

• Compounding returns within the structure

Our aim is to achieve returns that are double or even triple what a small institution might achieve on its own, purely because the economics of scale work to the benefit of all participants.

In addition, the public donate into the system, and every penny of public donation is distributed to registered charities that hold an account with us. On top of that, 51% of our net profits are also returned to registered charities. This is an added benefit that independent waqfs typically cannot integrate effectively.

Conclusion
Independent waqfs are noble and we support any effort to revive this sunnah. However, institutions often face two major constraints when acting alone: high risk and limited returns. Waqf Wakalah solves both by spreading risk across a diversified portfolio and significantly increasing returns through scale, professional management, and collective purchasing power.
For many organisations, joining Waqf Wakalah is not just a safer option—it is a far more effective way to secure long-term sustainability for their charitable mission.

We have received £7 million in soft commitments for the waqf fund. These commitments have come directly from the CEOs of just six UK charities following initial high-level discussions, validating the strong market demand for our model.

We are committed to fair distribution. Profits will be distributed amongst beneficiary partners, according to their level of contribution. For example, a 10% level of contribution would result in a 10% share of the profits.

Our initial go-to-market strategy focuses on UK charities, as they are generally familiar with the concept of a Waqf and have a clear need for sustainable funding. Once established, we will expand our outreach to mosques, educational institutions, healthcare and businesses.

A key part of our growth model is an unparalleled referral system that incentivises partners to introduce other organisations to our platform, giving them perpetual returns, provided criteria are met.

Transparency is a cornerstone of our platform. We are building a robust tech solution that will provide each partner with a dashboard to: Track their funds in near real-time. Monitor the performance of their portion of the waqf.
See every stage of the investment process. Easily manage their quarterly returns, with options to withdraw or reinvest.

Your next steps should be:

1. Register an account with us to start the onboarding process, via our website at www.waqfwakalah.com

2. Schedule a follow-up call over at https://waqfwakalah.com/contact/ to discuss your specific needs and how this strategic alliance can be mutually beneficial.

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What kind of returns can partner organisations expect?

Our target is to achieve a 25% overall return under our unified waqf model. This will take some time to achieve – book a call to find out how! 

Thanks to the scale and structure of our model, we can access better terms than retail investors or individual organisations. For example, while a retail investor might see 6-8%, we can negotiate substantially higher rates. 

Returns are not guaranteed and will vary depending on asset performance.