Frequently Asked Question

Applying for finance with Riyadh Financial Services is an easy process.

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  Step 1: Register your interest on our website - Get Started

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  Step 2: After you apply, our team will get in touch with you within one business day.

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  Step 3: We will set up a meeting (either in-person or online) with you to work out how best we can assist you.

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.

A Full Doc (Fully Documented) Option refers to a type of Shariah-compliant property financing where the applicant provides a complete set of financial documents to verify their creditworthiness and financial position.

Providing complete documentation offers several key advantages:
- Greater financing capacity
- Access to highly competitive rental rates
- Potential for lower initial contributions
- More favourable financing terms

The required documents depend on your source of income:
- For salaried income earners:
 - Recent payslips
 - Evidence of salary credit to your bank account
 - Proof of assets (what you own)
 - Proof of liabilities (what you owe)
- For self-employed income earners:
 - 1–2 years of individual and company financial statements
 - Relevant tax returns
 - Proof of assets and liabilities

A Low Documentation (Low Doc) Home Financing Option is designed to assist applicants — particularly self-employed individuals — who may not be able to provide the full suite of conventional income verification documents required under the Full Documentation option.

This option is commonly used by:
- Self-employed professionals
- Business owners
- Individuals with complex income streams

Under the Low Doc option, you may be asked to provide:
- A signed income declaration
- Business Activity Statements (BAS)
- Business bank statements
- Proof of assets and liabilities

The Low Doc option can be used for:
- Purchasing a property
- Refinancing existing Shariah-compliant finance
- Facilitating access to approved property finance structures in line with your financial profile

All Low Doc financing solutions offered by Riyadh Financial Services are structured to comply fully with Islamic finance principles.

It depends on the type of Shariah-compliant financing structure and rental/dividend option you select:
- Ijarah (Lease-based financing):
 - Fixed Rental: If you select a fixed rental period, your rental payments will remain the same during the fixed term.
 - Variable Rental: If you select a variable rental option, your rental payments may change based on market conditions, in accordance with Shariah principles.
- Musharakah (Partnership-based financing, typically used for SMSF):
 The payments made under a Musharakah contract include both principal payments and a dividend (profit share) to the financier based on their remaining share in the property.
 The dividend rate is variable and may change over time, subject to market conditions and as disclosed in your contract.

Your contract will clearly explain whether your payments are fixed or variable — ensuring full transparency and compliance with Islamic finance principles.

In line with Shariah principles, ownership and title arrangements depend on the structure of the financing and the type of asset:
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- Property Financing:
 The property title will generally be registered in your name. However, under the Shariah-compliant contract, you will hold the property subject to the financier’s beneficial interest until you have fully settled your financing obligations. The financier’s interest will be formally discharged once the final payment is made, at which point you will hold full and unencumbered ownership of the property.
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- Vehicle Financing:
 For vehicles, the financier may retain legal ownership of the vehicle during the financing term. In some cases, the title may be registered in your name with contractual provisions acknowledging the financier’s beneficial ownership until all payments have been completed. Upon full settlement of your obligations, full ownership of the vehicle will be transferred to you in accordance with the Shariah-compliant financing agreement.

Riyadh Financial Services offers Shariah-compliant property financing, not investment accounts. The way your payments are treated for tax purposes depends on the type of financing you choose and the purpose of the property:
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- For Investment Property (Ijarah - Lease-based financing):
 If you are financing an investment property through an Ijarah contract, the rental payments you make may generally be tax deductible — as long as the property is used for investment purposes. Please consult your tax advisor for guidance.
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- For SMSF Property Financing (Musharakah - Partnership-based financing):
 If your Self-Managed Super Fund (SMSF) is financing a property through a Musharakah contract, your payments include both principal and a dividend (profit share) paid to the financier. The dividend portion of these payments is generally tax deductible under current Australian Taxation Office (ATO) and SIS Act guidelines.

Important: Tax laws can change, and every client’s situation is different. We strongly recommend seeking independent tax advice to ensure you’re making the most of any available deductions.

We work with selected partner brokers to help us connect with a wider network of clients across Australia.

Our trusted brokers understand our Shariah-compliant property financing solutions and help ensure that your application process is smooth, efficient, and tailored to your needs.

Partnering with brokers allows us to serve you faster while maintaining high standards of service and compliance.

Your pre-approval is valid for 90 days from the date of issue.

Riyadh Financial Services provides Shariah-compliant property financing solutions. We offer financing for a wide range of property types including:
- Residential Property (owner-occupied and investment)
- Commercial Property
- Construction Finance
- Property Finance through SMSFs (Self-Managed Superannuation Funds)
- Financing for Individuals, Corporates, Trusts, and SMSFs

No. Riyadh Financial Services does not offer investment products or manage investment portfolios.

Our business is focused exclusively on providing Shariah-compliant property financing solutions for individuals, businesses, trusts, and SMSFs. We do not offer dividend-bearing investment options or manage client funds for investment purposes.

If you are seeking halal investment opportunities, we recommend consulting with a qualified Islamic investment advisor or licensed Shariah-compliant investment provider.