Halal / shareholder type mortgage

What if we …allowed people to buy their homes by agreeing on a price then in exchange for buying there home they buy shares at a slightly higher price monthly to eventually pay off there house allowing gains for the people and the bank from the gains and allowing a much easier way to own a home that suits everyday people Muslim people and others that find traditional mortgage a really impossible mission the benefits being you could pay a large piece off beforehand with KiwiSaver first home grant and cash possibly be good to have some sort of offset account as protection if say you fell behind it’s a reserve the bank and you can use to get it paid and avoid a resale and losing everything