Trusted by over 250 Families Across Australia

Our clients choose Afiyah because we offer more than just financial services - we provide peace of mind. Here’s what some of our satisfied clients have to say:

Afiyah Finance provided us with a straightforward and ethical way to finance our home. Their guidance was invaluable.

Samira H
Melbourne

Afiyah Finance took the time to understand our needs and offered a solution that worked perfectly for our family.

Maryam A.
Adelaide

We were looking for a truly halal home loan, and Afiyah Finance delivered exactly that. The process was clear and transparent.

Ahmed K.
Sydney

Afiyah Finance provided us with a straightforward and ethical way to finance our home. Their guidance was invaluable.

Samira H.
Melbourne

We were looking for a truly halal home loan, and Afiyah Finance delivered exactly that. The process was clear and transparent.

Ahmed K.
Adelaide

Afiyah Finance took the time to understand our needs and offered a solution that worked perfectly for our family.

Maryam A.
Sydney

Why Choose Afiyah Finance?

Interest-Free (Riba-Free) Loans

Our Islamic home loans eliminate interest entirely, ensuring your financing aligns with Sharia principles.

Tailored Solutions

We understand that each client has unique needs. Our team works closely with you to provide financial solutions that fit your situation.

Expert Guidance

Our experienced professionals are here to simplify Islamic finance for you, offering clear, concise advice every step of the way.

Simple. Strategic. Halal.

1. Speak With Us

Book a quick call or fill out our form. We'll clarify your goals - whether it's your first home, refinance, investment, or SMSF.

2. Get a Lending Strategy

We'll craft a tailored plan based on your income, structure, and future plans - aligned with credit law and Islamic finance.

3. Secure Approval

We match you with the right funder, manage paperwork, negotiate terms, and guide you from pre-approval to formal approval.

4. Settle & Grow

We coordinate your settlement and support your next move - whether that's expanding your portfolio or reducing debt with intent.

Designed to Support Your Financial Goals

Afiyah Finance offers a range of halal loans tailored to meet the diverse needs of our clients:

  • Ijarah (Lease-to-Own)

    This financing option allows you to lease the property with the potential to purchase it in the future, all within the framework of Islamic law.

  • Halal Refinancing

    Transition your existing mortgage into a halal loan with ease, ensuring your financial commitments align with your values.

  • SMSF Financing

    Use your Self-Managed Super Fund to invest in property through a Sharia-compliant financing structure, allowing you to grow your retirement savings in a halal manner.

  • Investment Opportunities

    Expand your portfolio with our Sharia-compliant investment options, designed to help you grow your wealth in a halal manner.

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Accreditations

We are fully licensed and accredited, holding certifications such as ASIC Credit License and MFAA membership.

Frequently Asked Questions

What are the benefits of Islamic Finance in Australia?

Ijara Muntahia-bi-tamleek is a Sharia-compliant financing option in available to Australians that avoids riba (interest), adhering to Islamic principles. It offers flexibility in profit rates—both fixed and variable—to suit different financial situations. Its structure is similar to conventional leasing, making it straightforward and accessible within various legal frameworks.

What are the advantages of using Afiyah as brokers for Islamic financing?


Afiyah brokers are specialists in Sharia-compliant financing, providing access to a range of Islamic financial products. They educate you on the nuances between Islamic and conventional financing to help you make informed choices. Afiyah ensures compliance with Islamic laws and helps secure competitive rates and terms. Importantly, Afiyah typically does not charge additional fees, with any necessary fees clearly communicated upfront.

How does Afiyah ensure that its financial solutions comply with Sharia laws?


Afiyah ensures that all recommended financial solutions strictly adhere to Sharia compliance requirements. We conduct thorough due diligence to verify that every product offered by our panel of lending providers is in full alignment with Sharia principles. This meticulous approach guarantees that the financial solutions we suggest are consistently compliant and align with our commitment to upholding Islamic financial laws.

What finance options are available under an agreement?

You may have the option to choose between principal and rental instalments or rental-only instalments. Afiyah will discuss these options with you to determine the most suitable choice based on your circumstances.

Who are our partners in Islamic Finance?

We collaborate with various partners across Australia to ensure both Shariah and legal compliance. We aim to broaden our options to assist as many clients as possible, accommodating their specific circumstances.

What documents will I be required to provide?

Each situation is unique and therefore a list of documents will be provided to individuals in the process.

For individuals:
Applicant ID verification
Employment details to verify the date of joining, designation, and name of the company
Original or certified salary slip showing financial strength of the individual
Bank statement of the salary account for the last 12 months
Previous year tax returns
For Companies

Applicant ID verification
Company details and financials
Bank statement of the account for the last 12 months
Previous year tax returns
GST registration

What are the benefits of Islamic Finance in Australia?

Ijara Muntahia-bi-tamleek is a Sharia-compliant financing option in available to Australians that avoids riba (interest), adhering to Islamic principles. It offers flexibility in profit rates—both fixed and variable—to suit different financial situations. Its structure is similar to conventional leasing, making it straightforward and accessible within various legal frameworks.

What are the advantages of using Afiyah as brokers for Islamic financing?


Afiyah brokers are specialists in Sharia-compliant financing, providing access to a range of Islamic financial products. They educate you on the nuances between Islamic and conventional financing to help you make informed choices. Afiyah ensures compliance with Islamic laws and helps secure competitive rates and terms. Importantly, Afiyah typically does not charge additional fees, with any necessary fees clearly communicated upfront.

How does Afiyah ensure that its financial solutions comply with Sharia laws?


Afiyah ensures that all recommended financial solutions strictly adhere to Sharia compliance requirements. We conduct thorough due diligence to verify that every product offered by our panel of lending providers is in full alignment with Sharia principles. This meticulous approach guarantees that the financial solutions we suggest are consistently compliant and align with our commitment to upholding Islamic financial laws.

What finance options are available under an agreement?

You may have the option to choose between principal and rental instalments or rental-only instalments. Afiyah will discuss these options with you to determine the most suitable choice based on your circumstances.

Who are our partners in Islamic Finance?

We collaborate with various partners across Australia to ensure both Shariah and legal compliance. We aim to broaden our options to assist as many clients as possible, accommodating their specific circumstances.

What documents will I be required to provide?

Each situation is unique and therefore a list of documents will be provided to individuals in the process.

For individuals:
Applicant ID verification
Employment details to verify the date of joining, designation, and name of the company
Original or certified salary slip showing financial strength of the individual
Bank statement of the salary account for the last 12 months
Previous year tax returns
For Companies

Applicant ID verification
Company details and financials
Bank statement of the account for the last 12 months
Previous year tax returns
GST registration

Your Journey to Ethical Homeownership Begins Here

We are here to guide you through every step of the process, ensuring that your financial decisions are aligned with your values. Whether you're ready to apply for an Islamic home loan or simply need more information, our team is here to help.

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