Superannuation · Australia
Ijarah Finance – Islamic Super & SMSF
Specialist in Shariah-compliant SMSF structures using Ijarah and joint-venture arrangements. Not an APRA retail super fund.
Key Facts
Overview
Ijarah Finance – Islamic Super & SMSF is the superannuation-adjacent offering from Ijarah Finance, a specialist Islamic finance provider. This service is focused on helping SMSF trustees use Shariah-compliant structures such as Ijarah (Islamic leasing) and joint-venture arrangements to purchase property within their SMSF. It is not an APRA-regulated retail super fund and does not manage accumulation accounts for compulsory contributions.
Services Provided
Ijarah Finance provides Islamic SMSF finance structures, primarily enabling SMSF trustees to borrow and invest in property using Shariah-compliant arrangements. Relevant structures include Ijarah and Diminishing Musharakah, structured to comply with SMSF lending rules under Australian law. The provider also offers strong educational content on how Islamic finance integrates with SMSF frameworks.
Ijarah Finance's SMSF offering appears to fill a genuine gap for SMSF trustees who want to invest in property without using conventional interest-based SMSF loans. The combination of Shariah-compliant structuring with SMSF compliance expertise is relatively rare in Australia and may be compelling for those with existing SMSFs. Users should understand clearly that this is a finance structuring service, not a superannuation accumulation product or fund manager. Any SMSF strategy should be guided by a licensed SMSF adviser.
Who They Suit
May suit existing SMSF trustees who want to invest in property using a Shariah-compliant structure, and who already have or are setting up an SMSF for this purpose.
Things to Verify
Before proceeding with this provider, confirm the following directly:
- That this service is SMSF finance structuring, not a retail super fund
- Whether the structure complies with current SMSF rules under the SIS Act
- Applicable fees and finance costs within the SMSF structure
- How Shariah compliance is documented and certified within the SMSF arrangement
- Whether a licensed SMSF financial adviser will also be needed
Information on this page is general in nature and based on publicly available material and provider-supplied information. Always verify fees, eligibility, product structure, licensing status, and Shariah governance directly with the provider before making a decision.