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Hejaz Financial Services

Islamic finance

Finally, Shariah-compliant home financing is now available

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No Interest

No Banks

100% Independent

How is Halal Financing Different?

There is a misconception amongst the general public that Islamic finance is the same as conventional, simply because both specify the finance cost as a percentage. This is a huge misnomer because using a percentage is just a method of pricing. Hence, what is most important is not the use of the percentage, but rather what such a percentage represents.

See example

For example:

A car dealer can buy a car for $1,000 and sell it for $1,200 making a profit of $200, which can be expressed as 20%. On the other hand, a person can lend someone a $1,000 dollars and demand that the borrower pays it back as $1,200, thus making a 20% interest.

The difference between the two scenarios from a Shariah point of view is that the 20% made from selling the car is a permissible profit (as it involves taking risk of ownership in the items being sold), while the 20% interest on a loan is the pure definition of prohibited Riba (where the lender did not put any work or take on any risk to earn such increase).

Choose the product that best suits your appetite

Hejaz Flexible Home Finance

Lo-Doc friendly

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Hejaz Essential Home Finance

Overseas income friendly

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Hejaz Gold Home Finance

Our lowest variable rate

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Home finance process

Getting home finance can seem complex, even if you’ve bought property before. Here are the most common steps.

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Refinance process

Thinking about refinancing your mortgage? We will help you to get things underway!

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Sharia compliance

Learn how we provide authentic Sharia compliance with our industry-leading Islamic finance offering.

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Investment property guide

Choosing to invest in property is a big step. We will help you navigate your investment journey with ease.

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Not enough deposit?

Grow your deposit with the Hejaz Deposit Builder Program.

Invest your funds in our Investment Grade Income Fund with quarterly predictable returns.

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Home buying made easy

Skip the stress of not knowing, and get an expert in your corner to arm you with the essentials.

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