Islamic Refinancing Services
Switch to Halal – Refinance Your Mortgage
Transition from your conventional mortgage to Sharia-compliant finance. Preserve your equity while aligning your finances with your faith.
Islamic Refinancing Services
Many Australian Muslims find themselves with conventional mortgages they took out before discovering halal alternatives. Our refinancing service provides a clear path to transition your existing loans to 100% Sharia-compliant Islamic finance.
Why Refinance to Islamic Finance?
Align Finance with Faith: If you’ve been concerned about the interest component of your current mortgage, refinancing to Ijarah Finance removes this worry entirely.
Preserve Your Equity: Your hard-earned equity remains intact. We simply restructure how your ongoing payments work – from interest-based to rent-to-own.
Potentially Better Terms: Refinancing also gives you the opportunity to review your current terms and potentially secure more favourable conditions.
What Can Be Refinanced?
Residential Properties
- Your family home (owner-occupied)
- Investment properties
- Holiday homes
Commercial Assets
- Retail and office spaces
- Industrial properties
- Mixed-use developments
Vehicles & Equipment
- Business vehicles
- Commercial equipment
- Heavy machinery
How the Refinancing Process Works
- Assessment – We review your current loan and property valuation
- Approval – You receive approval for Islamic finance based on current market value
- Settlement – We pay out your existing conventional loan
- New Structure – Your property transitions to an Ijarah lease-to-own arrangement
- Halal Payments – Your ongoing payments are now 100% Sharia-compliant
The Ijarah Difference
Under conventional refinancing, you’d simply swap one interest-bearing loan for another. With our Islamic refinancing:
- No Interest (Riba) – Your payments are structured as rent, not interest
- Clear Ownership Path – Each payment brings you closer to full ownership
- Ethical Structure – Approved by Islamic scholars and compliant with Sharia principles
Eligibility for Refinancing
- Existing property with conventional finance
- Sufficient equity in the property
- Australian resident or citizen
- Ability to meet ongoing payment requirements
Ready to Make the Switch?
If you’ve been wanting to align your finances with your faith, our refinancing service makes it straightforward. Contact us for a confidential discussion about transitioning your existing loans to halal Islamic finance.
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What Our Refinancing Clients Say
"We had a conventional mortgage for 8 years and always felt uneasy about it. Halal Loans helped us refinance to an Islamic structure. It was easier than we expected!"
"Switching from our conventional loan was the best decision we made. The team handled everything professionally and our equity was fully preserved."
"I refinanced both my home and investment property to halal finance. The process was smooth, and I finally have peace of mind about my finances."
Take the Next Step
Ready to Achieve Halal Refinancing?
Join thousands of Australian families who've achieved their property goals with Sharia-compliant finance. Get your free assessment today.
- Free, no-obligation consultation
- Response within 24 hours
- Expert Sharia-compliant advice
- Compare multiple lenders
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Get a free assessment in under 2 minutes with no obligation and no impact on your credit score.
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Refinancing FAQs
Can I refinance my existing conventional mortgage to Islamic finance?
Yes, absolutely. Our refinancing service is specifically designed to help you transition from a conventional interest-based mortgage to Sharia-compliant Ijarah Finance. We can refinance residential, investment, and commercial properties.
How does Islamic refinancing work?
We pay out your existing conventional loan in full. The property is then structured under an Ijarah (lease-to-own) arrangement where you make rental payments that build towards full ownership, eliminating interest from the equation.
Will I lose equity when refinancing to Islamic finance?
No. Your existing equity is preserved. We refinance based on the current market value of your property, and any equity you've built remains yours. The difference is simply the structure of your ongoing payments.
What can I refinance with Islamic finance?
We can refinance residential homes (owner-occupied and investment), commercial properties, vehicles, and business equipment. If you have any asset currently financed through a conventional loan, we can help you make the switch to halal.