Islamic Finance

Calculating mortgage payments is no longer a difficult task thanks to Lendevi

Discover the benefits of Islamic Finance with us, in partnership with Hejaj Financial. Experience the perfect blend of ethical investments and financial growth through interest-free banking, profit-sharing opportunities, and socially responsible investment solutions. Together, we are committed to securing your financial future with values that matter. Join us on a journey towards prosperity and principled banking.

Finally, Shariah-compliant home financing is now within your reach. Halal loans adhere to the principles of Islamic finance, ensuring no interest (riba) is charged or paid, and avoiding haram (prohibited) or speculative transactions.

Hejaz Essentials Home Finance

The Hejaz Essentials Home Finance product offers both a variable and fixed Ijara rate for owner-occupiers or investors. It comes with our most competitive Ijara rates but has more stringent credit assessment criteria. Available up to 80% LVR, this loan suits borrowers who are able to easily substantiate their income and are looking for flexibility with their home finance and investment propertie

Hejaj 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.

How HR Mortgage & Finance Works

Initial Consultation

Have a phone or face-to-face conversation with our expert broker.

Loan Structuring

We need your financial documents and specifics about your requirements.

Apply For Pre-Approval

After finalizing all necessary details, we'll proceed to pre-approval. Typically, your pre-approval will arrive 5-7 working days, subject to the bank's processing time.

Find Your Dream Home

We'll be there to support and guide you every step of the way until you discover the perfect property. Once you've identified a property that meets your criteria and reached an agreement on price with the vendors, we'll recommend proceeding with signing the contract.

Get the Final Approval

Once the contract is signed, we initiate the valuation process. Subsequently, the solicitor/conveyancer will review the contract and conduct pest and building inspections. Concurrently, we'll proceed with submitting your loan for formal approval. The timeframe for obtaining formal approval may extend up to a week, contingent upon the bank's processes.

Settle Your Loan

When all the paperwork is complete the keys to your dream home will be handed over to you.