- Fully-featured home loans
- Competitive rates
- Sharia-compliant
- Fixed and variable
Supporting individuals in purchasing their first property, moving into a new home, or investing in property through a finance solution designed to align with Sharia requirements.
Full features
Finance purpose
- Residential – Owner-Occupied or Investment
Rent rate type
- Variable or
- Fixed
Payment options
- Payment on account of the amount of finance and rental rate, or
- Rental Only is available for an agreed period.
Finance term
- Up to 30 years (payment on account of the amount of finance and rental rate)
- Up to 5 years (Rental Only payments)
Maximum Finance to Valuation Ratio
- 95%
Maximum finance amount*
- $3,500,000
Minimum finance amount
- $50,000
Borrower
- Offset facility available – linked to the home finance, allowing borrowers to reduce Rent payable.
- Optional redraw facility available – enabling clients to access additional payments made over and above the minimum payment required.
- Visa Debit card available for Australian residents and only, during the construction period, if an offset facility is linked to the Visa debit card; or after the construction period.
Payment features
Payment frequency
- Principal and Rent (weekly, fortnightly and monthly options available)
- Rent Only (monthly)
Transaction functionality
- Unlimited transactions via internet, phone, BPay, debit card, ATM
Make additional payments
- Unlimited on variable rate splits. $20,000 p.a. for fixed rate splits
Payment method
- Salary credit/direct debit
Cash out / Equity Release available
- > 90% LVR (cash out not available)
- >80% and ≤ 90% LVR (limited to 20% of security value)
- ≤ 80% LVR (unlimited)
