Ijaar Construction Finance

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  Australian citizens
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  New Zealand citizens
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  Australian permanent residents
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  Temporary residents / Non Residents (conditions apply)

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  18 years and above

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  Natural born persons
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  Company applicants
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  Trust applicants

Employees

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  Short Term Employment:  we can work with people who are short term employed on a case by case basis.
  
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  Permanent employees:  6 months in current job or 12 months in same industry
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  Casual employees:  6 months in current job or 12 months in same industry with letter from employer
  
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  Credit record:  clean credit record with no defaults

Self Employed

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  Short Term Employment:  we can work with people who are short term self-employed on a case by case basis.
  
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  Full Doc: 2 years tax returns + accompanying notice of assessment
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  Low Doc: Accountants letter to confirm taxable income
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  Credit record:  clean credit record with no defaults

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  Signed Land Contract of Sale — or Title if land is already held in client’s name
  
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  Signed Building Contract , Building Plans & Specifications with a Registered Builder
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  If refinancing an existing land loan → provide 3 months loan statement for the land loan being refinanced
  

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.