Understand how Islamic home finance works in Australia. Our Ijarah-based model lets you achieve home ownership without interest — a process built on faith, transparency, and fairness.
No obligation. Takes 2 minutes.
The Ijarah Model
Ijarah is a Sharia-compliant financing structure based on the concept of leasing. Instead of borrowing money at interest to buy a property, the lender purchases the property and leases it to you for an agreed period.
Throughout the lease, your regular payments include both rent and a gradual transfer of ownership. There is no interest charged at any stage. The arrangement is transparent, ethical, and fully aligned with Islamic principles.
At the end of the lease term, once all payments are complete, full ownership of the property is transferred to you. You own your home outright — without ever having paid riba.
This model has been used successfully around the world and is now available to Australian Muslim families through our panel of Sharia-compliant lenders.
The Process
From your first conversation with us through to holding the keys to your new home, here is exactly how the process works.
We start with a free, no-obligation conversation to understand your goals, financial situation, and any questions you have about Sharia-compliant finance.
Once you are ready, we prepare and submit your application to the most suitable Sharia-compliant lender for your situation. We handle the paperwork.
Our lender partners assess your application promptly. We keep you informed at every stage and work to resolve any queries quickly.
Upon approval, the lender acquires the property on your behalf under the agreed Ijarah structure. No interest is charged at any point.
You enter a lease agreement with the lender, making regular payments that include both rent and a contribution toward ownership of the property.
At the end of the lease term, once all payments are complete, full ownership of the property transfers to you. The home is yours, free and clear.
Key Benefits
Home ownership without compromise. Here is what sets our approach apart.
Every product we offer has been reviewed by qualified Islamic finance scholars. No interest (riba), no compromise on your faith.
We explain exactly how the structure works, what you will pay, and what to expect. No hidden fees, no confusing jargon.
Our streamlined process means less waiting and less stress. We handle the complexity so you can focus on finding your home.
From your first enquiry through to settlement, you have a dedicated team who understands Islamic finance and the Australian property market.
No obligation. Australia-wide service.
Whether you are just exploring your options or ready to apply, our team is here to help. Get in touch for a free, no-obligation conversation about your home finance goals.
