Provider Comparison

Compare Islamic Finance Providers

Browse verified providers by category. All regulatory status and Shariah governance information is sourced from public disclosures.

Islamic Home Loans

Shariah-compliant alternatives to conventional mortgages โ€” Murabaha, Ijarah, and Diminishing Musharakah. Always verify governance claims independently.

10 providers listed

MCCA

Australia's longest-operating Islamic finance provider, serving the Muslim community since 1989. Over 6,500 households financed with Shariah-certified Diminishing Musharakah.

โ˜…โ˜…โ˜…โ˜…โ˜…4.1/5editorial
ASIC LicensedShariah Governance Disclosed
Available In
All states
Finance Structure
Diminishing Musharakah
Min. DepositTypically 10โ€“20% (confirm with provider)
Financing RangeContact provider
Typical FeesNo ongoing fees; application & valuation fees apply
EligibilityAustralian residents
Est.Est. 1989 ยท 30+ years

Amanah Islamic Finance

Multiple IFN award winner including Best Real Estate Financier. Over $500M financed since 2014 with dedicated state representatives.

โ˜…โ˜…โ˜…โ˜…โ˜…4.7/5editorial
ASIC LicensedShariah Governance Disclosed
Available In
NSWVICQLDWASA
Finance Structure
IjarahMusharakah
Min. DepositContact provider
Financing RangeContact provider
Typical FeesContact provider
EligibilityAustralian residents
Est.Est. 2014 ยท IFN Award winner

Ijarah Finance

Specialists in Ijarah and Diminishing Musharakah home finance, with low-doc, SMSF, and fixed-rate options available.

โ˜…โ˜…โ˜…โ˜…โ˜…4.0/5editorial
Shariah Governance Disclosed
Available In
Metro areas
Finance Structure
IjarahDiminishing Musharakah
Min. DepositContact provider
Financing RangeContact provider
Typical FeesContact provider
EligibilityAustralian residents including self-employed and SMSF
Est.10+ years operating

Afiyah

ASIC-licensed Islamic finance broker for home loans, investment property and SMSF finance. No broker fees charged to clients.

โ˜…โ˜…โ˜…โ˜…โ˜…4.2/5editorial
ASIC LicensedMFAA MemberShariah Governance Disclosed
Available In
All states
Finance Structure
Ijarah
Min. DepositContact provider
Financing RangeContact provider
Typical FeesNo broker fees; lender fees apply
EligibilityAustralian residents; individuals, companies and SMSF
Est.Founded 2022

ICFAL

Islamic Co-operative Finance Australia Limited. Member-based co-operative offering Ijarah home finance with a one-off lifetime membership.

โ˜…โ˜…โ˜…โ˜…โ˜…4.2/5editorial
Shariah Governance Disclosed
Available In
Multiple states
Finance Structure
Ijarah
Min. Deposit20% (10% initial + 10% at approval)
Financing RangeContact provider
Typical FeesFrom 8.0% p.a. profit; $990 transaction fee; $100 lifetime membership; no monthly fees
EligibilityAustralian residents; membership required
Est.Est. 1998

INSAAF

One of Australia's first Islamic financial institutions. Member-based co-operative with 1,500+ members and 100% Shariah-compliant internal and external funds.

โ˜…โ˜…โ˜…โ˜…โ˜…3.9/5editorial
Shariah Governance Disclosed
Available In
All states
Finance Structure
Contact provider
Min. DepositContact provider (member rates)
Financing RangeContact provider
Typical FeesMember-based pricing; contact provider
EligibilityAustralian residents; membership required
Est.20+ years operating

Baraqah

Islamic home, car, motor vehicle and SMSF property finance provider. 10,000+ families helped over 15+ years with up to 90โ€“95% LVR available. Offers Murabaha and Musharakah structures for residential, motor vehicle and SMSF lending.

โ˜…โ˜…โ˜…โ˜…โ˜…4.2/5editorial
ACL 389087AFCA MemberFBAA MemberShariah Governance Disclosed
Available In
All states
Finance Structure
MurabahaMusharakah
Min. DepositFrom 5โ€“10% (up to 90โ€“95% LVR)
Financing RangeApprox. $50k โ€“ $3m+
Typical FeesContact provider
EligibilityAustralian citizens, permanent residents, eligible visa holders
Est.15+ years operating

Riyadh Financial Services

Shariah-compliant property finance with an independent internal Shariah board. Ijarah and Musharakah structures for residential and SMSF applicants.

โ˜…โ˜…โ˜…โ˜…โ˜…3.8/5editorial
Shariah Governance Disclosed (Independent Shariah Board)
Available In
Contact provider
Finance Structure
IjarahMusharakah
Min. DepositContact provider
Financing RangeContact provider
Typical FeesContact provider
EligibilityAustralian residents including SMSF
Est.Contact provider

Hejaz Financial Services

Integrated Islamic finance and wealth management โ€” home finance, SMSF, investments and superannuation under one roof.

โ˜…โ˜…โ˜…โ˜…โ˜…4.1/5editorial
ASIC LicensedShariah Governance Disclosed
Available In
Multiple cities
Finance Structure
IjarahMurabaha
Min. DepositContact provider
Financing RangeContact provider
Typical FeesValuation from $248 for properties โ‰ค$1m (metro) + application/legal fees
EligibilityAustralian residents
Est.Contact provider

Halal Mortgage Australia

Referral and information service connecting Australians with Sharia-compliant home, car and commercial finance providers via partner lenders.

Not yet rated
Shariah Governance Disclosed
Available In
Australia-wide
Finance Structure
MurabahaIjarahMusharaka
Min. DepositVaries by lender; confirm with provider
Financing RangeVaries by lender; confirm with provider
Typical FeesSet by underlying lender; Halal Mortgage Australia does not set or advertise rates
EligibilityAustralian residents; assessed by the licensed broker/lender
Est.Contact provider
About these ratingsScores shown are editorial assessments compiled from publicly available sources โ€” provider websites, Google reviews, independent review sites, community discussions, and published news. They are not direct Google scores, regulated endorsements, or personalised financial advice. We assess providers across: regulatory standing, governance disclosures, transparency of fees and terms, track record, and peer comparison. Providers marked Broker / Credit Representative are intermediaries โ€” they do not lend their own funds. Ratings may change as new public information becomes available.Last reviewed: 14 April 2026
Important:Provider data is sourced from each provider's public website and independent articles as at April 2026. Fees, rates, deposit requirements and eligibility criteria are indicative only and subject to change. Always verify directly with the provider before making any financial decision. This website does not provide financial advice.