Our lowest variable rate
About Hejaz Gold Home Finance
Whether you’re buying a new home or looking to refinance your existing home loan, we’ve removed the confusion around which home finance is right for you.
The Hejaz Gold Home Finance offers both a variable and fixed Ijara rate for owner-occupiers or investors. Available up to 90% LVR (with LMI for over 80% LVR), this loan suits borrowers that are looking for flexibility with their home finance and investment properties.
Max Finance Amount of $2,000,000
Unlimited Additional Repayments
- Last 2 payslips
- 3-month banks statement to ascertain salary credits
- Proof of genuine savings is required via 3-month bank statement
Minimum employment criteria
Full-Time – Minimum 6 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. Employment verification is emphasized.
Second Job – Minimum 12 months in current employment.
Contract – Refer to Full Time with additional Minimum 3 months remaining on the contract.
- Minimum 2 trading years in current business.
- Most recent business/company tax return and financials
– AND –
- 2 most recent BAS (24-month ABN registration required)
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 Finance Insights
How do I get started?
Apply now by completing our online application form
Speak with our finance consultants.