Halal Financing
Unlock the True Potential of Your Self Managed Super Fund with Hejaz Gold SMSF Finance
07 Jul 2025 admin
Growing wealth through a Self Managed Super Fund (SMSF) can be challenging for Australian Muslims, particularly when it comes to finding Shariah-compliant property financing. The limited availability of Shariah-compliant property financing has made it more challenging for Australian Muslims to diversify their SMSF assets and achieve their long-term financial goals.
Property is a popular asset class for SMSF investment strategies due to its potential for stable returns and long-term capital growth. However, for Australian Muslims adhering to Shariah principles, traditional loan structures often present a challenge. These structures involve interest payments, which are considered usury and prohibited in Islamic finance.
The good news is that Australian Muslims no longer need to worry. To help SMSF owners expand their investment portfolios into the property market, Hejaz has launched a product: the Hejaz Gold SMSF Finance. This Shariah-compliant financing solution allows you to acquire investment properties while adhering to your beliefs.
Hejaz Gold SMSF Finance is designed in accordance with Islamic finance principles for Self Managed Super Fund owners. With this product, SMSF can borrow money to buy an asset and become the legal owner through a Limited Recourse Borrowing Arrangement (LRBA).
Hejaz Gold SMSF Finance adopts the Islamic financing method of Musharaka (Joint Venture); this structure adheres to both Islamic finance principles and Superannuation laws, enabling property investment without conventional interest and aligning with Islamic financing requirements.
Instead of making Ijara or rental payments, the customer will make dividend payments, which comprise of the investment amount and dividend rate payments (like a rental rate in Shariah finance).
Looking to expand your SMSF investment opportunities? Let's explore the benefits of Hejaz Gold SMSF Finance that can help you achieve your long-term financial goals.
Hejaz Gold SMSF Finance provides an opportunity to invest in residential and commercial property within your SMSF, with potential benefits such as capital growth, rental income, and depreciation advantages. By using your SMSF to invest in residential or commercial property, you can benefit from potential capital growth, rental income, and depreciation benefits.
SMSF offers a tax-effective way to save for retirement. Rental income earned from investment properties within your SMSF is typically taxed at a concessional rate compared to income tax rates for individual investors.
Hejaz Gold SMSF Finance helps you diversify your SMSF asset portfolio beyond traditional options like stocks and bonds. Investing in property through your SMSF provides diversification benefits, which can help mitigate risk and improve your portfolio's overall resilience.
To apply for Hejaz Gold SMSF Finance, you will need to provide the following documents and meet the finance requirements:
Secure your financial future and unlock the true potential of your Self Managed Super Fund. Apply for Hejaz Gold SMSF Finance today and pave the way for a brighter tomorrow. Have any questions? We are here to help! Do not hesitate to reach out at 1300-043-529 or super@hejazfs.com.au
Disclaimer:
The information provided is for general informational purposes only and does not constitute financial, tax, or legal advice. While we strive to ensure accuracy, we do not guarantee the completeness or reliability of the information. Before making any financial or investment decisions, we recommend seeking independent professional advice tailored to your specific circumstances. Any investment carries risks, and past performance is not indicative of future results. We are not responsible for any losses or damages resulting from reliance on this information.
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