New Zealand income friendly
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.
Max Finance Amount of $3,000,000
Unlimited Additional Repayments
- 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.
- 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.
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.
Islamic Home Insights
How do I get started?
Apply now by completing our online application form
Speak with our finance consultants.