Shariah Financing

Islamic Home Lending: Shariah-Compliant Financing Solutions

At Islamic Home Lending, we understand the unique financial needs of our community. We offer a range of Shariah-compliant financing options to help you achieve your homeownership goals while adhering to Islamic principles.

Our Shariah Financing Options

• Murabaha (Cost-Plus Financing): We purchase your desired property on your behalf and resell it to you at a higher price, payable in installments. This transparent approach ensures no involvement of interest (riba).
• Musharakah (Partnership Financing): We invest alongside you in a joint venture, sharing both profits and losses. This collaborative model promotes mutual benefit and risk-sharing.
• Mudarabah (Profit-Sharing Financing): We provide the capital, and you manage the project. Profits are shared according to a pre-agreed ratio, fostering equitable partnerships.
• Ijarah (Leasing): We lease a property to you for a specific period, with the option to purchase it at the end of the lease term. This flexible solution allows for convenient homeownership.

Compliant Loan Funding

• No Conventional Bank Involvement: Our funding sources are entirely Shariah-compliant, ensuring no association with interest-based practices.
• Islamic Ijara Contract: Our financing structure adheres to Islamic principles and complies with Australian credit laws, providing peace of mind.
• Secure Property Ownership: You hold legal title to your property from day one, guaranteeing your ownership rights.

Independently Certified & Shariah Compliant

• GIFS Approved Products: Our products are approved by the Global Islamic Finance Standards Board, a trusted authority on Shariah-compliant finance.
• Semi-Annual Sharia Auditing: We undergo regular Sharia audits to maintain the highest standards of compliance.

Features of Our Products

• High LVR: Loan-to-value ratios of up to 90% allow for greater affordability.
• Finance Up to $2M: We offer substantial financing options to suit your needs.
• Flexible Loan Options: Full-doc and low-doc loans available for various financial situations.
• Competitive Rates: Our rates are designed to be competitive and fair.
• No Waiting Period: Start your homeownership journey immediately.
• Unlimited Additional Repayments: Pay off your financing faster without penalties.

What We Can Finance

• Construction (House and Land)
• Commercial Property
• New Purchase
• Vacant Land
• Refinance

Contact Islamic Home Lending today to explore our Shariah-compliant financing solutions and take the first step towards owning your dream home.