Frequently Asked Questions

You will need: proof of identity (passport/license), proof of income (payslips/tax returns), bank statements (last 3-6 months), employment verification, and details of existing assets and liabilities.

No, we do not charge early repayment fees. You can pay off your financing early without penalty, as this aligns with Islamic principles.

Yes! We specialize in helping first-time buyers with Shariah-compliant financing solutions. We provide comprehensive guidance through the entire process, from pre-approval to settlement.

Islamic home financing is a Shariah-compliant alternative to conventional mortgages. Instead of interest-based lending, it uses profit-sharing arrangements like Murabaha (cost-plus), Ijarah (lease), or Musharakah (partnership) that comply with Islamic principles, completely avoiding riba (interest).

The fundamental difference is that Islamic financing involves no interest (riba). Instead of lending money with interest, Islamic institutions use partnership, leasing, or trade-based models where profits are shared or assets are jointly owned. This ensures compliance with Shariah law.

Our pre-approval process typically takes 24-48 hours. Full approval depends on documentation completeness but usually takes 5-7 business days for straightforward applications.

Absolutely. We offer refinancing solutions to convert your conventional mortgage to a Shariah-compliant arrangement. Our team will assess your current situation and provide the best halal alternative.

We finance various property types including residential homes, apartments, townhouses, vacant land, and investment properties. Each application is assessed individually to ensure Shariah compliance.