What We Do
Applying ethical decision making principles for Islamic finance and superannuation
Jazeera Home Finance...
At Jazeera Home Finance, we’re not interested in being your run-of-the-mill financial service providers. We are your business partners; the people you can rely on to help you get the most out of your money. We offer a suite of services designed to save you time and money so you can focus on what’s important to you. We are committed to offering Smarter Lending Solutions by utilizing our expertise, experience, and proficiency. Whether you’re an experienced property investor or new to the game, we welcome you to take advantage of our services, which can be your key to investment success.
At Jazeera Home Finance, we’re not interested in being your run-of-the-mill financial service providers. We are your business partners; the people you can rely on to help you get the most out of your money. We offer a suite of services designed to save you time and money so you can focus on what’s important to you. We are committed to offering Smarter Lending Solutions by utilizing our expertise, experience, and proficiency. Whether you’re an experienced property investor or new to the game, we welcome you to take advantage of our services, which can be your key to investment success.
Accessing Equity
At Jazeera Home Finance, we understand that maximizing the equity in your current property is crucial when purchasing your next investment property. That’s why we specialize in equity valuation. Our team of skilled brokers will help you select the best valuation for your home to ensure maximum assessment. We will then work with lenders who consider home equity when approving finance. Only settle for the best – choose Jazeera Home Finance!
Finance Structuring
Eliminate the stress and complexity of debt repayment with Jazeera Home Finance’s structuring services and unlock your maximum borrowing potential. Our team guides and supports you throughout the process, helping you achieve your goals quicker by developing a structure that leads to the optimal return on investment. Let us take the wheel and steer you toward financial success.
Repayment Management
We at Jazeera Home Finance provide various services that can help lower your mortgage repayments. Our team can negotiate a better Ijara, consolidate debt into your mortgage, and explore options such as Ijara-based payments or extending the finance term. By taking advantage of our services, you can save significant money and make your mortgage more manageable.
An Unbiased Approach
When securing finance, seeking advice from knowledgeable and experienced professionals is important. While well-intentioned, advice from family and friends may not be up to date with the ever-changing economy and lending landscape. At Jazeera Home Finance, we pride ourselves on staying ahead of the industry and providing our clients with timely and relevant financial advice. Our team of home finance experts will assess your unique situation and provide impartial recommendations based on the strengths, weaknesses, risks, and opportunities of the finance products available to you. Trust us to guide you toward the best finance options for your needs.
Debt Consolidation
We understand the difficulties of managing multiple finances with Ijara and repayment dates. That’s why we offer finance consolidation services that simplify your financial situation. By consolidating your finances, you can benefit from a single, easy-to-manage repayment schedule with Ijara. Our team of experts can provide actionable advice to help you make the most of your finance consolidation. Let us help you relieve the pressure of managing your mixed bag of finances and achieve financial peace of mind.
Maximising Lending
When securing finance, your income, employment stability, and credit history can all play a role in determining the amount you can borrow and can be timely, particularly when you have low borrowing capacity. Fortunately, Jazeera Home Finance has a few tricks to help maximize your lending power and secure the required amount. Our team of experts considers your unique financial circumstances and develops smart solutions to help you obtain the finance you need to purchase the property you want.
Expat finances
Investing in Australian property while living overseas can be challenging! At Jazeera, we specialise in helping Aussie ex-pats achieve their investment goals. Our team of experts will work with you to navigate the complexities of securing investment finance, leveraging your foreign income to secure the best possible deal. With access to a large panel of lenders, we can find the right lender who accepts foreign income, and our expertise in structuring these types of finances will give you the confidence that your finances are in good hands. Let us help you make the most of your investment opportunities, no matter where you are.
SMSF finance
Self-managed super funds (SMSFs) have long been popular for Australians seeking retirement savings. But did you know they can also be a powerful property investment tool? SMSF finance operates differently than standard investment finances, making it crucial to seek expert advice before proceeding. At Jazeera, our specialists can guide you through the SMSF finance process and assist in you in expanding your property portfolio.
Ijarah Finance
Ijarah Finance is an Islamic financial contract that may be an attractive option for those seeking to invest in property without paying interest (Riba). Under this arrangement, the property is leased from the bank or lender, with the investor paying rent for the use of the asset. This approach is permissible under Sharia law and can be an excellent Shariah-compliant way to purchase property without compromising religious beliefs. At Jazeera Home Finance, we can provide guidance and support to help you understand and navigate the Ijarah Finance process.
Debt Recycling
Debt recycling is a tax-effective debt solution that can help you turn your non-deductible home finance into tax-deductible investment finance. With this strategy, you can deduct the interest payments on your home finance from your taxable income. Therefore, paying off your home finance sooner, reducing your tax bill, and growing your property portfolio simultaneously! At Jazeera Home Finance, we have the knowledge and expertise to guide you through the debt recycling process and help you achieve your financial goals.
Interested in
making a
move?
We provide tailored solutions for various financial needs, including debt consolidation, increasing borrowing capacity, and property investment for Australians. Our team is knowledgeable and experienced in the finance industry, and we’re dedicated to finding the best solution for your unique circumstances. Contact us today to start your journey toward financial freedom.
Connect With
Jazeera Home Finance
Don’t let your dream of home ownership slip away. For a free consultation, fill out the form here and we will get back to you as soon as possible.
Jazeera corporate address
Level 1, 22 Brookhollow Avenue, Norwest NSW 2153.
Office Hours
Mon - Fri: 9.00am to 5.00pm. Saturday by Appointment only.
Frequently Asked Questions
Common questions about Islamic home finance
Want to know more? Contact us today for your free consultation.
Want to know more? Contact us today for your free consultation.
What is the difference between a conventional home loan and an Islamic home finance?
A conventional home loan charges interest, whereas a Islamic home finance is structured based on the principles of Islamic finance, which prohibits interest. Instead, the financier and borrower share the risk and reward of the financing.
How long does the home finance application process typically take?
The time it takes to process a home loan application can vary depending on a variety of factors, such as the application’s complexity and the borrower’s responsiveness. However, the process can take several weeks to a few months.
What is the minimum down payment required for a Islamic home finance?
The minimum down payment required for a home loan can vary depending on the financier and the type of finance. The minimum down payment is typically 10% of the property’s purchase price, however standard down payment without mortgage insurance is 20%.
What is pre-approval, and why is it important?
A pre-approval is a conditional commitment from a financier to provide financing up to a certain amount. It’s important because it can help you determine your budget when shopping for a home and gives you an advantage when making an offer.
What are the fees associated with obtaining a home finance?
Fees associated with obtaining a home finance can vary depending on the financer and the type of finance. Standard fees include application fees, valuation fees, and legal fees. Reviewing the fee schedule with your financier before applying for a home finance is important.