About Us

How is Halal Loans Different?

When comparing purchasing a property through a Conventional Mortgage versus Halal Loans, the key distinction lies in the absence of monetary exchange, thereby eliminating any interest charges or payments.

100% Sharia Certified

15+ Years Trusted

2,000+ Families Helped

How Halal Loans Works

At Halal Loans, we redefine property ownership through our innovative approach. With our Halal Mortgages and Sharia Mortgage options, you can own your dream home while staying true to your faith. Instead of traditional transactions involving interest, our process involves a lease agreement that fully aligns with Islamic principles and Islamic finance.

The Ijarah (Lease) Model

Synonymous with 'Lease,' the term Ijarah is at the heart of how Halal Loans works. We purchase the property on behalf of the client, and the client then enters into a leasing arrangement with us. Through regular rental repayments, the client progressively works towards full legal ownership of the property once the agreed payment terms have been fulfilled.

This means there is no interest — only transparent rental payments that contribute directly to your ownership of the property.

Key Differences from Conventional Mortgages

No interest charges — Our Ijarah model replaces interest with a transparent lease arrangement
Sharia-compliant structure — Every contract is reviewed to ensure adherence to Islamic finance principles
Property ownership pathway — Your regular rental payments build towards full legal ownership
Ethical and transparent — All terms, fees, and conditions are clearly outlined upfront

Our Mission

At Halal Loans, we understand the importance of financial solutions that align with your beliefs and values. With a commitment to Sharia principles, we offer innovative Islamic banking services tailored to your needs. Our mission is to provide ethical and transparent financial solutions that empower individuals and families to achieve their dreams while adhering to Islamic principles.

With our commitment to Islamic banking principles, Halal Loans extends beyond property financing to offer solutions including commercial asset finance and refinancing. Experience the difference with Halal Loans — where integrity meets innovation in Islamic finance.