Afiyah provides Sharia-compliant property finance guidance and updates so you can plan your next move with clarity and confidence.
Afiyah © 2026. All rights reserved. AFIYAH CAPITAL PTY LTD (ACN 694 519 438 | ABN 17 694 519 438) an authorised Australian Credit Representative (CRN 577318) operating in accordance with applicable Australian credit and consumer lending laws.
Investors & SMSF Trustees
We align your investment goals with Sharia principles, SMSF rules and lender criteria so your structure supports sustainable growth, not short-term leverage.
CHALLENGES
Growth without compromising structure.
Navigating Sharia and SMSF rules together
Overestimating borrowing capacity
Structuring for growth without excess risk
Managing cash flow sustainably
GOALS
Sustainable growth within clear boundaries.
You want:
Investments structured to remain fully Sharia-compliant.
Transparent terms aligned with lender and SMSF rules.
Growth planned within defined risk and cash flow limits.
OUR APPROACH
We align purpose, policy and compliance.
Clarify investment goals, risk appetite and capacity.
Design compliant structures aligned with SMSF rules.
Match your file to suitable lenders before submission.
EXAMPLE SCENARIOS
An investor wants to expand their portfolio within Sharia and SMSF rules.
Borrowing capacity is assessed realistically.
Structures align with SMSF compliance.
Risk and cash flow are stress-tested.
Growth is sustainable, not speculative.
COMPARISON
| Area | Conventional Mortgage | Ijarah Home Finance |
|---|---|---|
| Structure | Interest-based loan secured by property | Lease-style structure with a pathway to ownership |
| Main concern | Rate, repayments and loan term | Structure, payments, ownership pathway and Shariah alignment |
| Payments | Principal and interest or interest-only | Payments structured according to the product terms |
| Client focus | Borrowing and repayment capacity | Borrowing capacity, suitability and Islamic finance understanding |
| Guidance needed | Lending policy and product comparison | Lending policy, product terms and Islamic finance explanation |
Note: The exact structure, payment terms and ownership pathway depend on the product, funder and legal documents. Afiyah helps explain these details before you proceed.
CONTACT AND ACCESSIBILITY
We are here to guide you through every step of the process, ensuring that your financial decisions are aligned with your values. Whether you're ready to apply for an Islamic home loan or simply need more information, our team is here to help.
Book a phone or video call at a time that works for you
Visit our Truganina office by appointment
Ask for language support if you're more comfortable in another language
Tell us about any accessibility needs and we'll adjust how we work with you
