The Aussie Halal Finance Guy

Why do halal home loans have a rate? Isn’t Islamic finance supposed to avoid interest? I often hear this question, and it’s understandable! In conventional loans, the rate represents interest. But in Islamic finance, the Ijarah rate isn’t interest — it’s a rental fee for using the property, calculated differently. Here’s how it works: With an Ijarah agreement, the lender owns the property and leases it to you. The rate reflects the bank’s costs, such as asset maintenance, and market trends. It’s not a loan repayment but a leasing fee. This approach allows Islamic finance to remain true to Sharia principles, offering Muslims a home finance solution aligned with their values. Have more questions about how Islamic finance operates? DM me, and let’s dive deeper into how you can achieve home ownership without riba.

Is $140 a month worth it… for lifelong peace of mind?" Recently, a client made the shift to halal financing, increasing their monthly cost by just $150. But the way they felt afterward? 💎 Absolutely priceless 💎 Don’t let a few dollars hold you back from making the decision that’s right for your values. Ready to find out what halal financing could look like for you? Curious to learn what’s possible? We only work with 8 clients a month to ensure that we provide ample time to each client. We've got 5 places left for this month. Comment below if you're interested and we'll DM you ourselves.

How much would you pay for peace of mind, knowing your finances align with your values as a muslim? It’s easy to think of finance as purely financial. But choosing a halal option doesn’t just impact your bank account — it impacts your peace of mind, your values, and your future. Are you ready to see if halal financing is as close as you think? DM me to find out how we can help bring your finances in line with your principles. We only work with 8 clients a month to ensure that we provide ample time to each client. We've got 5 places left for this month. Comment below if you're interested and we'll DM you ourselves.

Real question: Are you delaying a halal home because you think it’s out of reach? We hear this all the time. Many assume halal finance is expensive or “not worth it.” But often, the difference is far less than people think. The difference is often only $140 a month. If you’ve got a deposit ready, the solution might be closer than you realize. And the peace of mind? 💎 Absolutely priceless 💎 Curious to learn what’s possible? Comment below, and we’ll reach out. We only work with 8 clients a month to ensure that we provide ample time to each client. We've got 5 places left for this month. Comment below if you're interested and we'll DM you ourselves.

𝗜𝘀 $140 𝗮 𝗺𝗼𝗻𝘁𝗵 𝘄𝗼𝗿𝘁𝗵 𝗰𝗼𝗺𝗺𝗶𝘁𝘁𝗶𝗻𝗴 𝗼𝗻𝗲 𝗼𝗳 𝘁𝗵𝗲 𝗯𝗶𝗴𝗴𝗲𝘀𝘁 𝘀𝗶𝗻𝘀 𝗶𝗻 𝗜𝘀𝗹𝗮𝗺? 🔥 Recently, a client came to us looking to refinance their investment property in Perth. Here are the details: They were with ANZ, paying a rate of 6.8% on a $510,000 loan with a 90% LVR, costing them roughly $3,260 per month. We refinanced with a halal lender at 7.3% investment loan, with monthly repayments of $3,400. A difference of $140 a month. Now, I get it. Nobody wants to pay more if they can help it. 𝗕𝘂𝘁 𝗵𝗲𝗿𝗲’𝘀 𝘁𝗵𝗲 𝗾𝘂𝗲𝘀𝘁𝗶𝗼𝗻 𝘁𝗵𝗮𝘁 𝗿𝗲𝗮𝗹𝗹𝘆 𝗺𝗮𝘁𝘁𝗲𝗿𝘀: Is $140 a month worth the peace of mind, knowing your financing aligns with your faith? Is $140 a month really that big of a difference when you think about the life hereafter? Are you really letting $140 be the difference between Hell and Heaven? Is $140 a month the reason why you're on the edge and constantly thinking about whether what youre doing is right or wrong? Sometimes, that small difference is what stands between you and a constant inner struggle. Are you willing to let a slight monthly adjustment hold you back from making a choice you believe in? We only work with 8 clients a month to ensure that we provide ample time to each client. We've got 5 places left for this month. Comment below if you're interested and we'll DM you.

"𝗜𝗳 𝗜𝘀𝗹𝗮𝗺𝗶𝗰 𝗵𝗼𝗺𝗲 𝗳𝗶𝗻𝗮𝗻𝗰𝗲 𝗶𝘀 𝗱𝗶𝗳𝗳𝗲𝗿𝗲𝗻𝘁, 𝘄𝗵𝘆 𝗱𝗼𝗲𝘀 𝘁𝗵𝗲 𝗿𝗮𝘁𝗲 𝗹𝗼𝗼𝗸 𝘀𝗼 𝘀𝗶𝗺𝗶𝗹𝗮𝗿 𝘁𝗼 𝗮 𝘁𝗿𝗮𝗱𝗶𝘁𝗶𝗼𝗻𝗮𝗹 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲?" This is a question that comes up a lot, and it’s completely fair! Many people wonder why the Ijarah rate — the rate used in Islamic home finance — often aligns closely with conventional mortgage rates. 𝗛𝗲𝗿𝗲’𝘀 𝘁𝗵𝗲 𝗸𝗲𝘆: Islamic banks use the same market benchmarks, like the RBA (Reserve Bank of Australia) rate, as a reference point for setting their rates. This helps keep Islamic finance options affordable and competitive, so Muslims don’t end up paying significantly more to avoid interest. So its essentially to give you an indication and help you understand what you're paying and compare it to traditional interest bearing mortgages. But even though the numbers might look similar, the structure is entirely different. In an Islamic home finance arrangement, you’re not paying interest on borrowed money. Instead, the rate reflects a leasing fee based on the fair rental value of the property, with the bank sharing ownership until it’s fully yours. So yes, the benchmark looks familiar, but the foundation is still aligned with Sharia principles: no interest, just a fair value for the use of an asset. Have more questions about how Islamic finance works? DM me, and let’s explore how halal financing could be the right fit for you.

𝗜𝗳 𝗜𝘀𝗹𝗮𝗺𝗶𝗰 𝗵𝗼𝗺𝗲 𝗹𝗼𝗮𝗻𝘀 𝗮𝗿𝗲 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁-𝗳𝗿𝗲𝗲, 𝘄𝗵𝘆 𝗱𝗼 𝘁𝗵𝗲𝘆 𝗵𝗮𝘃𝗲 𝗮 ‘𝗿𝗮𝘁𝗲’? One of the most common questions I get is why Islamic home financing has a rate if it’s supposed to be riba-free. Here’s the answer: Islamic home finance uses a different approach to calculate payments. In an Ijarah model (lease-based), the bank purchases the property and leases it to you, charging a ‘rate’ for using the property — not for borrowing money. This rate reflects costs associated with the bank owning and maintaining the asset, alongside market factors. It’s carefully calculated to ensure fairness and transparency. So, while it might look similar, it’s not an interest rate; it’s a rental rate. This structure aligns with Islamic principles by focusing on asset-backed, risk-sharing arrangements. Want to learn more about how halal home finance works? DM me, and I’d be happy to break it down further.

Isn’t Islamic finance just regular finance with a halal sticker on top? My friend thought so. I recently had an intense conversation with a friend who called Islamic home finance a “scam” and claimed it’s worse than borrowing from a traditional bank. His reasoning? He believed traditional banks are upfront about charging riba, while Islamic banks “hide” it. 𝗛𝗲𝗿𝗲’𝘀 𝘁𝗵𝗲 𝘁𝗿𝘂𝘁𝗵: Islamic finance isn’t about covering up traditional loans — it’s about building a finance system rooted in ethics and shared risk. For example, in an Ijarah agreement (which is a method used by islamic lenders to "give you the money to buy a house"), the bank purchases the property and leases it to the buyer, sharing the risk and creating a genuinely asset-based relationship. So, it’s not just “interest by another name.” Islamic finance structures are designed to avoid the moral pitfalls of riba, giving Muslims an option aligned with their faith. If you’ve ever wondered if Islamic finance is the real deal, let’s chat! DM me for an honest conversation about halal finance and how it can work for you.

Are you holding off on buying a home because you’re waiting for the ‘perfect time’? Let’s rethink that I get it. A lot of Muslim Aussies hesitate on home ownership, worried they might make the wrong choice or that halal financing is out of reach. But waiting for perfection might be the biggest obstacle standing in your way With halal financing, you don’t have to compromise your faith to achieve your goals. Imagine owning a home without the moral struggle of conventional interest-based loans. Imagine sleeping at night knowing you've done everything to make sure you're not paying interest If you're keen to see what options are open for you, DM us, and let’s explore what’s possible together

Halal financing isn’t just ethical; it’s practical. Here’s why. A lot of people think Islamic finance is complicated or more restrictive. In reality, it’s designed to protect you from financial traps, excessive debt, and the stress that comes with riba-based loans. Think of it as a safety net for your finances and your faith. Ready to choose a smarter, more ethical approach? DM to understand how much you can borrow