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Salaam Finance:

A different way to buy a home — built on clarity, care, and Islamic principles 

 

 

Salaam Finance exists to help you purchase a home in a way that aligns with your values.
It is a Shariah-compliant home finance solution designed for people who want to avoid interest-based loans, with transparency and reassurance at every step.

This is not an investment product. It is a financing arrangement created solely to help you buy a place to live. Learn more in our FAQs.

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What Is Salaam Finance?  

 

Salaam Finance is a home finance solution that enables you to purchase residential property in a way that complies with Islamic principles, including avoiding interest (riba).

Instead of a conventional loan structure, Salaam Finance uses Islamic financing structures — such as Ijarah — where you work toward owning your home with clear terms and shared understanding between you and the finance provider.

You decide what your home looks like, where you live, and how you settle in your community — with clarity, comfort, and confidence.

How It Works

In traditional home loans, interest is charged on borrowed money. Islamic home finance works differently: it avoids riba and uses ethical structures instead. At its core:

 

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Define Your Home Finance Needs

You outline what home finance you need — whether buying a new home or refinancing an existing arrangement.

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Enter a Shariah-Compliant Agreement

Salaam Finance and you enter an agreement that is Shariah-compliant, transparent, and based on clear principles.

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Progress Toward Full Ownership

Over time, your repayments increase your share of the property and you work toward full ownership.

What It Is Not  

Salaam Finance is not:

  an investment product     a way to create financial returns

  a strategy to grow your wealth


Its purpose is practical and specific: to help you buy the home you want in a way that aligns with your beliefs and values. For investing and wealth-building, explore other Salaam products.

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Why People Choose Salaam Finance

People choose Salaam Finance because it offers:  

Shariah-compliant structures

Clarity and transparency from day one

Tailored solutions for ethical home purchase

Peace of mind without compromise

 

Whether you are Muslim or simply value ethical finance, this alternative approach can help you take confident steps toward home ownership.  

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Built for Peace of Mind  

Everything in Salaam Finance is guided by:

  independent Shariah oversight

  clear documentation

 regular reviews of your financing arrangements without relying on interest rate cycles

  an approach rooted in fairness, not speculation

How We Ensure Shariah Compliance

Our Islamic home finance product follows principles that avoid interest and focus on shared benefit.

We work with respected Islamic scholars and advisors — such as Amanie Advisors, whose board of senior scholars has certified our home finance product as compliant.

The product and its terms are reviewed annually to ensure ongoing compliance with Islamic principles.

Unleash your potential. Powered by your values.

Australia’s one million Muslims have long been under-served when it comes to financial solutions.

Recognising the needs of Australia's growing Muslim community, we're proud to introduce innovative financial products that align with religious principles. Our goal is to empower our community with ethical finance solutions tailored specifically for you.

Meet our Leadership Team
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Salaam is a proud member of the Islamic Finance & Investments Association

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Salaam Home Finance

Secure your dream home!

Salaam Home Finance is here. And to celebrate our arrival, we’re offering our community the chance to secure your dream home through an introductory offer for 6 months only. Begin your journey towards home ownership through financing options that align with your values and Islamic principles.

*Terms and conditions apply.

Apply now: Special Offer

Frequently Asked Questions

Below are key questions many customers ask. You can also view the full set in the FAQs.

 

 

What is home finance?

Home finance helps individuals purchase a property with financial support from a third party, with regular repayments over time.  

Why Islamic home finance?

Islamic home finance matters because it avoids charging or paying interest, aligning the structure with Shariah values and ethical transparency.  

Are traditional Australian mortgages halal?

No — conventional mortgages involve interest, which Islamic principles do not permit.  

Does Salaam Finance use interest rates?

While interest rate benchmarks may be referenced for clarity, the product does not operate as a conventional interest-based loan.  

Do I have to be Muslim to apply?

No. Anyone who values responsible, ethical finance can apply.  

Who holds the title during the agreement?

Your name is registered on the property title from the start, with an understanding that you are purchasing the home according to the agreed financing arrangement.  

Do I need insurance?

Yes. You will be required to arrange appropriate insurance as part of ownership protections.  

How do I apply?

It’s a simple three-step process — register your interest, we review your details, then our team contacts you to help you move forward.  

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Next Steps

 

If you’d like personalised guidance on how Salaam Finance could work for your situation, we encourage you to get in touch with our team.  

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