Apply Online
Contact Us
Hejaz Financial Services
Apply Online
Schedule a call
  • Superannuation
    • Super 1
      • Superannuation

        Become an Islamic Superannuation member and receive a $100 welcome gift card.

        Learn more
    • Super 2
      • Products
        • Islamic Superannuation
        • Islamic Pension
    • Super 3
      • Things to know
        • How we invest
        • Performance
        • Consolidating your super
        • Grow your Super
    • Super 4
      • Tools & Resources
        • Retirement calculator
        • Super FAQs
        • Super Login
  • Investing
    • Invest 1
      • Risk Profile Quiz

        Take our quick Risk Profile Quiz to find the right investment product for you.

        Get started
    • Invest 2
      • Products
        • Overview
        • Income Fund
        • Balanced Fund
        • Property Fund
        • Equities Fund
    • Invest 3
      • Things to know
        • Getting started with investing
        • 9 Golden rules of investing
        • Compounding: it’s simply magic!
        • Should you invest your house deposit?
    • Invest 4
      • Tools & Resources
        • Investment FAQs
        • Forms & Documents
  • Finance
    • Finance 1
      • Finance

        We're on a mission to help more Muslims own their own home

        Apply online
    • Finance 2
      • Products
        • Overview
        • Gold home finance
        • Flexible home finance
        • Essentials home finance
        • Deposit Builder
    • Finance 3
      • Things to know
        • Sharia compliance
        • Home finance process
        • Refinancing process
        • Investment property guide
    • Finance 4
      • Calculators
        • How much can I borrow?
        • Extra repayments
        • Stamp duty calculator
        • Offset calculator
  • Hayat Protection
    • Hayat 1
      • Hayat Protection

        Protecting everday Muslim Australian's and families.

        Learn more
    • Hayat 2
      • Products
        • Overview
        • Family Protection
        • Illness Recovery
        • Critical Care
        • Loss of Income
    • Hayat 3
      • Things to know
        • No protection? Why take the risk?
        • Plan for the unexpected now
        • Protect yourself through super
        • What’s the right cover
    • Hayat 4
      • Tools & Resources
        • Hayat protection calculator
  • About
    • About 1
    • About 2
      • Who we are
        • About Hejaz
        • Our History
        • Our People
        • Investing In Our Community
    • About 3
      • More
        • Media
        • Insights
  • Support
    • Contact 1
      • Call Us

        Available 9:00am to 5:00pm weekdays AEST/AEDT

        1300 043 529
    • Contact 2
      • Schedule a Call

        Schedule a call online with a time and day that suits you

        Schedule online
    • Contact 3
      • Help Centre

        For FAQs, useful information, resources and documents

        Explore centre
    • Contact 4
      • Contact Form

        Use our online contact form for quick and convenient responses

        Contact now
Hejaz Financial Services

Hejaz Essentials
Home Finance

Overseas income friendly

Apply online
nmp
FS_Sustainability_Logo_Incorporating-1024×302
financial-standard
age-logo-notagline-colour-1024×250
afr-1024×206

About Hejaz Essentials Home Finance

The Hejaz Essentials Home Finance product offers both a variable and fixed Ijara rate for owner-occupiers or investors.

It comes with our most competitive Ijara rates but has more stringent credit assessment criteria. Available up to 80% LVR, this loan suits borrowers who are able to easily substantiate their income and are looking for flexibility with their home finance and investment properties.

Pre-qualify for home finance

Features

Max Finance Amount of $3,000,000

Offset Facility

Redraw Facility

Cash Out

Unlimited Additional Repayments

20% Deposit

Finance requirements

PAYG

  • Last 2 payslips; plus
  • Bank statements for the last 3 months showing salary credits (no older than 30 days).

Minimum employment criteria

Full-Time – Minimum 3 months. If <6months, must have been in continuous employment in the same industry for 12 months.

Part-Time – Refer to Full Time.

Casual – Minimum 12 months with current employment. If <12 months, must have been in continuous employment in the same industry for 24 months.

Second Job – Minimum 12 months in current employment.

Contract – Must have worked in the same industry/role for a minimum of 24 months.

Self-Employed

  • Two most recent personal and business tax returns (not older than 18 months), or
  • Two most recent annual financial statements (not older than 18 months).

Each director, sole trader and partner on the loan must also provide their most recent personal tax return with the most recent
Notice of Assessment.

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.

Learn more

Understand the home finance process

Getting a home loan can seem complex, even if you’ve bought property before. Here are the most common steps from application to settlement.

Learn more
AdobeStock_432707369 3

Popular home finance calculators

Try some of our helpful tools

How much can I borrow?
Stamp duty calculator
Extra repayment calculator
Finance offset calculator

Tips on Home Finance

Should you invest your house deposit?
137

Should you invest your house deposit?

21 March 2022
What are Islamic home loans and how do they work?
142

What are Islamic home loans and how do they work?

20 December 2021
Sharia-compliant financing options remain elusive for those who need them
131

Sharia-compliant financing options remain elusive for those who need them

10 December 2021
Making the financial advice industry sustainable
142

Making the financial advice industry sustainable

4 June 2021

How do I get started?

icon-55

Apply Online

Apply now by completing our online application form

Apply online
icon-61

Contact us

Speak with our finance consultants.

Contact us

For general information, documents & forms, support and FAQs

Visit the Help Centre
Hejaz Logo

Need help? We’re
always here to
answer your questions

Resources

  • Media
  • Contact us
  • Knowledge Base
  • Insights
  • Important Documents

Products

  • Superannuation
  • Investments
  • Home Finance
  • Hayat Protection
  • Pension

Hejaz Financial Services © 2022 / All Rights Reserved

Hejaz Capital Pty Ltd ABN 44 161 857 478 T/As Hejaz Financial Services is a Corporate Authorised Representative of Hejaz Financial Advisers Pty Ltd ABN 49 634 683 613 AFSL 517686

Refer a Friend
Privacy Policy
Legal Notices
FSG
Schedule a Call
Knowledge Base
Apply Online

Call us: 1300 043 529