Own Your Home Without Compromising Your Faith

A Shariah-conscious path to home ownership, built for Australian Muslims

Your Home. Your Values. Your Future.

How do I build a home for my family without compromising my faith?

A home is more than bricks and mortar. It is where your children grow. Where your family gathers and worship. Where memories are created.

We believe the journey towards home ownership should reflect what matters to you.

At Meezan finance, we believe you should not have to choose between your financial goals and your Islamic values.

Our Ijarah-based Islamic home finance provides a Shariah-conscious alternative to conventional interest-based home lending, helping eligible Australian Muslims purchase or refinance property through a structured Ijarah (lease) arrangement.

You can pursue home ownership while keeping your financial journey aligned with your values.

Build your home without compromising your values.

Explore Meezan Islamic Home Finance today.

What can we finance?

Whether you are purchasing your first home, upgrading for your growing family, building a new property or refinancing an existing home, our experienced finance specialists can guide you through the process.

Established Home

Construction

Refinance

Home & Land

Residential investment property

SMSF-commercial property finance

*Eligibility, property type, location, finance amount, LVR and other conditions apply.

Features Designed Around Your Financial Needs

Our Ijarah-based finance solutions can offer a range of practical features, subject to the specific product and approval conditions.

Competitive Rental Rates

Fixed and Variable rate Options

Unlimited additional repayments

Offset Facility available

Redraw Facility available

Flexible Payment Frequency

Online Account Access & a Mobile App

Pay off at any time

Bpay and net transfer to external bank accounts

Dedicated Finance Specialists

From your initial enquiry through to settlement, our experienced finance team can guide you through the application process and help you understand your options.

Additional Features

Finance rates are competitive to the banks
LVR-90%
Online access
Debt consolidation
Fixed or Variable rates
Comply with Sharia law
Salary Credit account

Repay weekly, Fortnightly or monthly
Comply with Australian Law
NO waiting periods
Redraw Facility
Additional repayments*
Finance up to $2,000,000
NO ongoing fees

PRODUCT DESCRIPTION AND KEY ATTRIBUTES

Product Features

Prime Sharia Owner Occupied

Prime Sharia Investment

Prime Sharia Construction Owner Occupied

Prime Sharia Construction Investment

Rent Type

Variable

Payment Options

Principal and Rent or Rent only for an agreed period

Principal and Rent; or Rent only during construction phase (max 12 months)

Redraw

Variable

Minimum Finance Size

$150,000

Maximum Finance Size (subject to LVR and postcode policiy)

$2,500,000

$1,500,000

Minimum LVR (subject to postcode eligibility criteria)

90%

Additional payments without penalty

Yes

Offset facility

Yes

Visa debit card

Yes

Apply for a Home Finance

Once you’ve found the perfect property or if you want to refinance.

Discover Our Process

A Home Finance Journey With Purpose- our process

We know that applying for home finance can feel overwhelming.

Our role is to make the journey clearer.

Once settled, you can focus on what matters most: building your home, your family and your future.

Why Choose Meezan Islamic Home Finance?

Your Faith Matters

For many Muslims, avoiding riba is not simply a financial preference. It is a matter of faith and principle. We understand that.

Our Islamic home finance solutions are structured around applicable Shariah principles and operate within the Australian legal and regulatory framework.

Tailored Rates

A rental rate tailored for you – giving you the best deal for your situation.

Special Discounts

Enjoy special discounts on both your home loan and Refinance.

Top Class Digital Technology

Meezan finance gives you the flexibility to access, track and manage you

Flexible loan features

Tailor your home loan to suit your needs
and be ready for whatever life brings; with features like offset and salary credit accounts, redraw, additiona

Dedicated Home Lending Specialists

Confidently buy your home with expert partners guiding every step—book appointments anytime, anywhere, at convenience.

Complaint Non-bank source of funding

Meezan Wealth offers Shariah-compliant funding, ensuring halal home financing with transparency, ethics, and peace of mind.

Sharia complaint Contract based on Ijarah method

Shariah-compliant home financing through Ijarah contract.

Special Discounts

Enjoy special discounts on both your home loan and Refinance.

Secure property ownership

Ensure secure property ownership with trusted, transparent, Shariah-compliant financing.

Competitive rental rates

Benefit from competitive rental rates with fair, transparent Shariah financing.

Local and internationally Sharia certified

Meezan Wealth’s solutions are locally and internationally Shariah-certified, ensuring globally recognized compliance, ethical financing, trust, and peace of mind for customers.

What is Ijarah?

Ijarah is an Islamic leasing structure.

Under our Ijarah-based arrangement, the property title can be held in the customer’s name, while the financing arrangement provides for rental payments and the acquisition of equity over time.

Your periodic payments comprise two key elements:

Ijarah rental — the rental component associated with the financier’s interest in the property.

Equity acquisition — the component through which you acquire greater ownership in the property.

As your equity increases, the corresponding rental component may reduce, subject to the terms of your agreement.

The objective is for you to progressively acquire the property and ultimately own it outright, subject to the contractual arrangements.

This structure is designed to provide a Shariah-conscious alternative to conventional interest-based lending.

How Does Ijarah Work?

Our Ijarah structure enables us to allow the title to the property to be held in the client’s name. Each repayment comprises two components; a rental charge (Ijarah) for you to live in the house and a principal payment to acquire our share of equity in the property.

As you acquire more equity in the property, the rental component decreases, and the equity component increases until the property is purchased outright or you sell/refinance.

Sharia Certified

Our Sharia Standards Comply with Global Islamic Standards

High level sharia principles

The accounting and Auditing organisation for Islamic financial institutions is an international Islamic non-for-profit corporate body that prepares auditing, governance, ethics and Shari’a standards for Islamic financial institutions.

High level investment screening

IdealRatings web-based asset management service offers to major financial institutions a complete solution for the entire Shariah fund management operation, that empowers professionals to launch and manage their Shariah compliant funds and help them generate the highest alpha available through a very tight compliance and Shariah purification process.

Our World class shaira board

SRA Consulting , based in Malaysia is a leader in Islamic ﬁnance, having excellent networking with Islamic ﬁnance experts locally and globally.

Why Meezan Finance?

Islamic Finance Is Our Speciality

We are not simply a conventional finance business adding an Islamic option.

Islamic finance is central to what we do.

A Trusted Relationship

We aim to build long-term relationships with our clients—not simply process an application.

Professional Guidance

Our experienced finance specialists help you understand the structure, requirements, costs and process so you can make informed decisions.

Digital Convenience

From online applications to digital account access, we use technology to make your finance journey easier and more transparent.

Community Focused

Meezan Wealth was established with a clear purpose: to help Australian Muslims build and manage wealth without compromising their values.

Islamic Principles. Australian Framework.

Meezan Wealth operates within the Australian financial and credit regulatory framework applicable to the services we provide.

Our Islamic finance business operates through the applicable Australian credit licensing and representative arrangements. Customers receive the relevant disclosure documents, including the applicable Credit Guide and Credit Proposal documentation, as required.

Australian credit laws also require credit providers and representatives to meet applicable obligations, including responsible lending requirements where they apply.

This gives our clients the confidence of dealing with a professional Australian finance provider while pursuing a Shariah-conscious financing solution.

Ready to Apply?

Purchasing a home for your family is certainly very exciting and we make the process easier for you. Obtaining Meezan Islamic finance is easier than ever before.

We take the responsibility of the finance process so you can focus on finding your dream home. Our dedicated and experienced finance manager tailors your Islamic home finance and guides you in this journey, provide necessary advice, support, and solutions.

Step
01

Check your Eligibility

Step
02

Apply Online

Is Ijarah the same as a conventional home loan?

No. Ijarah is an Islamic leasing structure and is fundamentally different from a conventional interest-based loan. The specific contractual structure, rights and obligations are set out in the relevant finance documentation.

Do I pay interest?

The Ijarah structure uses a rental component rather than conventional interest. The exact payment structure and contractual obligations will be explained to you before entering into the finance arrangement.

Can I purchase an existing home?

Yes, eligible customers may be able to use the product for established residential property, subject to the applicable lending and property criteria.

Can I build a new home?

Construction finance may be available for eligible applicants, subject to product, construction, valuation, LVR and other applicable criteria.

Can I refinance my existing conventional home loan?

Eligible customers may be able to refinance existing residential property finance through an Islamic finance structure, subject to assessment and applicable criteria.

Can I make additional repayments?

Additional payments may be available under the applicable product terms. Your finance specialist can explain how these payments affect your outstanding balance and the overall arrangement.

Is the property title in my name?

Under the current Ijarah structure described by Meezan Wealth, the property title can be held in the customer’s name, subject to the relevant legal and contractual arrangements.

Is Islamic home finance regulated in Australia?

Islamic home finance provided through Australian credit providers and representatives is subject to the applicable Australian legal and regulatory framework. The exact regulatory treatment depends on the product and parties involved.

Is Ijarah suitable for everyone?

Not necessarily. Eligibility and suitability depend on your individual circumstances, financial position, objectives, the property and the applicable product criteria.

Our team will assess your circumstances and explain the available options before you proceed.

Frequently Asked Questions

Ready to Take the Next Step?

Whether you are buying your first home, upgrading, building, investing or refinancing, our team is here to help you explore your options.

Your faith. Your family. Your future.