The Ethical Alternative to Interest-Based Investing
Posted by As'ad Mansoor on 10th Jun 2025
Earn with Confidence—Without Compromising Your Values
In today’s investment world, the line between profit and principle can feel uncomfortably blurred.
From high-interest lending schemes to speculative trading platforms, modern finance is often riddled with products that are designed to prioritise profits over ethics. And for many investors—whether driven by faith, conscience, or simply common sense—this has created a growing discomfort with where and how their money is being used.
The good news? There is a better way.
At Tiles Deluxe, we've designed an investment model that delivers real returns, rooted in tangible assets, and guided by values of fairness, transparency, and shared success.
The Global Rise of Ethical Investing
Ethical investing is no longer a niche.
According to the Global Sustainable Investment Alliance (GSIA), sustainable and ethical investing surpassed $35 trillion in assets under management globally in 2022, representing over one-third of all professionally managed assets worldwide. In the UK alone, ethical investment funds saw a 66% increase in inflows between 2020 and 2023, reflecting a powerful and growing appetite for alternatives to conventional, profit-at-all-costs finance.
This trend isn’t limited to environmental or climate-conscious investors—it includes a broad spectrum of people who care about how their money works while it grows. This includes:
-
Individuals avoiding industries like arms, tobacco, or gambling
-
People seeking investments backed by real assets rather than speculative risk
-
Investors who reject interest-based models in favour of trade-based, asset-backed earnings
That’s where our model fits in perfectly.
What Makes Our Property Investment Model Ethical?
At Tiles Deluxe, we don’t believe that success has to come at the cost of your values—or your peace of mind.
We’ve developed a straightforward, ethical investment structure that prioritises clarity, real-world trade, and shared gain. Here's what sets it apart:
1. Every investment is tied to a real UK property
You’re not investing in abstract futures or volatile stocks. Every pound is allocated to a specific residential property project in the UK. This creates clear accountability and genuine asset backing.
2. Returns come from real profit, not interest
We generate investor returns by renovating undervalued properties and selling them at a fair market profit—not through lending, compounding interest, or high-risk derivatives. Investors receive a fixed share of the resale profit—simple, clean, and transparent.
3. Funds are used solely for renovation and resale
Your money is not leveraged, pooled into risky portfolios, or diverted into debt instruments. We only use investor capital for purchasing, renovating, and selling residential properties—activities that create value and improve housing supply in the UK.
4. The model is fully transparent
We disclose project timelines, costs, and profit forecasts at the start. You’ll know exactly what your investment is doing—and where it’s going.
Why This Resonates With a New Generation of Investors
The post-2008 generation of investors is different.
They’ve seen what unchecked speculation can do. They’ve witnessed market crashes, credit crises, and the rise of digital currencies that gain—and lose—value overnight. That’s why there’s growing demand for investments that are not just profitable, but stable, grounded, and ethically sound.
A 2024 report by PwC revealed that 79% of investors under 40 said they would switch providers to one that aligns with their values—even if it meant lower short-term returns. What they want is:
-
Clarity over complexity
-
Sustainability over speculation
-
Purpose alongside profit
Our investment model answers that call—delivering competitive, consistent returns through a business that directly benefits real people and real communities.
Property Is Still One of the Safest Long-Term Investments
Let’s talk fundamentals.
While stocks and crypto often dominate headlines, property has long been one of the most resilient and profitable asset classes available. Consider the following:
-
UK house prices have risen by over 400% since 1990, according to the UK Land Registry
-
Even in market downturns, real estate typically recovers faster and more predictably than equities
-
Rental and resale demand remain strong due to an ongoing UK housing shortage—estimated at over 2 million homes by the National Housing Federation
Our strategy taps into this supply gap by acquiring undervalued properties, upgrading them efficiently (often using materials from our own tile company), and flipping them to meet demand—turning smart renovation into strong returns.
Short-Term Projects, Long-Term Confidence
One of the biggest pain points in traditional investing is the wait.
Five-year lock-ins. Ten-year bonds. Stocks that may or may not recover. We do things differently.
With Tiles Deluxe, each project is typically completed in three to six months. That means:
-
Your capital isn’t tied up indefinitely
-
You can reinvest, withdraw, or diversify after each cycle
-
You maintain full visibility and control over your financial journey
And because our model doesn’t rely on interest or market speculation, it performs regardless of central bank decisions, crypto crashes, or global stock sentiment.
Built for Trust, Backed by Real Business
We’re not just property investors—we’re also tile importers and interior finish suppliers.
This vertical integration gives us a unique edge:
-
We control renovation quality and timelines more tightly
-
We reduce material costs by supplying our own finishes
-
We increase resale value by offering consistent, high-end results
That means lower overheads, higher margins, and stronger returns—all passed on to our investors.
Who This Is For
This model is ideal for:
-
Investors seeking short-term, fixed returns without hidden risks
-
Individuals who want asset-backed alternatives to volatile markets
-
Professionals looking for ethical investment opportunities with real economic value
-
People who prefer trade-based, interest-free growth
Whether you're new to investing or looking to diversify your portfolio with something more grounded, our approach offers a transparent, consistent path to wealth building—without compromising your ethics.
Real Returns. Real Values.
It’s no longer enough to chase profit for profit’s sake.
Today’s investors want to know where their money goes, who it benefits, and whether the path it takes aligns with their beliefs. At Tiles Deluxe, we believe your investment should be a force for good—growing your wealth while contributing to the real economy.
By investing with us, you're not just backing a property project—you're backing a principle: that honest business, shared outcomes, and value-driven work still matter.
Ready to see how it works?