.png){kind=logo}
.png)
We’ve helped thousands of Australian Muslim families access Shariah-compliant finance — with no banks, no riba, and no compromise.
From as little as 5–10% contribution + purchasing costs.
.svg)
Tailored finance solutions to suit your needs.
Make additional payments anytime to reduce your cost and accelerate ownership.
Use surplus funds to reduce future rental payments — Shariah-compliant and transparent.
Choose fixed or variable rental options — fully transparent and halal.
NOTE: Our Cash Management Account feature allows clients to manage surplus funds to reduce future rental or dividend obligations in a fully Shariah-compliant manner. It is not an interest offset account and no interest is paid or charged.
.png)
This information does not constitute an approval and is subject to changes - for guide only.
Our product(s) has been certified as being Shariah Compliant.
The agreement is free from interest (riba).
Our contracts are based on the Ijarah model of financing, which is a form of leasing.
Our contracts are compliant with both Shariah Law and Australian banking regulations.
Applying for finance with Riyadh Financial Services is an easy process.
Halal Property Investing means investing in property in a way that is fully compliant with Islamic (Shariah) law and principles.
At Riyadh Financial Services, this is achieved through offering Shariah-compliant property financing solutions — enabling clients to acquire property without the use of interest (riba) or engaging in impermissible (haram) financial practices.
Key principles of Halal Property Investing include:
- No interest (riba) — financing structures are based on rent (Ijarah) or profit-sharing (Musharakah), not interest-bearing loans.
- Asset-backed transactions — financing is always linked to tangible property.
- Avoidance of prohibited industries — clients should avoid investing in properties used for activities forbidden in Islam (such as alcohol, gambling, pork-related businesses, or other haram activities).
- Ethical and transparent contracts — all financing agreements are reviewed for Shariah compliance and transparency.
Our role is to help clients access property finance that aligns with their faith and values. We do not offer property investment advice, but we ensure that the financing structures we provide are fully Shariah-compliant.
At Riyadh Financial Services, we are committed to offering only Shariah-compliant financial solutions.
All of our financing products are structured in strict accordance with Islamic finance principles — avoiding interest (riba), excessive uncertainty (gharar), and any activities or structures not permitted under Shariah.
To ensure full compliance, we maintain robust Shariah governance through:
- An independent Internal Shariah Board, which reviews and certifies all products and documents
- Membership and engagement with external Shariah compliance regulatory bodies across Australia
- Ongoing Shariah audits and reviews, ensuring our offerings remain halal, ethical, and transparent
Through this governance framework, we give our clients confidence that their property financing is fully aligned with their Islamic values.
Ijarah Muntahia Bittamleek is a Shariah-compliant lease-to-own financing option.
Here’s how it works:
- The financier buys the property you want and leases it to you.
- You make agreed rental payments to use the property — these are not interest-based.
- At the end of the lease term, once all payments are made, ownership of the property is transferred to you.
This structure allows you to buy property in a fully halal way — with no interest and full transparency. It is commonly used for both residential and investment properties.
A Musharakah Contract is a type of Shariah-compliant partnership used to help you buy a property.
Here’s how it works:
- You and the financier buy the property together — you both own a share.
- You make payments over time to gradually buy out the financier’s share.
- You also pay a share of profits (dividends) to the financier based on their remaining ownership during the financing period.
- Once all payments are complete, you (or your SMSF) will own 100% of the property.
This is a fully halal way to finance property without interest (riba), and it ensures that the ownership and risks are shared fairly throughout the contract.
.svg)
.svg)
