Buying, investing or refinancing? Flexdoc helps arrange Ijarah home finance through a preferred provider. Talk to us about a structure that fits your plans and values.
Flexdoc acts as your finance broker. We are not the financier or a Sharia-certification body.
YOUR NEXT HOME. YOUR NEXT CHAPTER.
Start with the right questions.
01 / YOUR PROPERTY PLANS
A home. An investment. A fresh start.
Tell us what you want to achieve. We’ll assess the option available through our preferred provider against your circumstances.
YOUR OWN HOME
Buying a place to live.
Explore the finance, deposit and payments before committing to a property.
RESIDENTIAL INVESTMENT
Planning your next investment.
Discuss a residential investment and how the proposed finance fits your income and commitments.
REFINANCING
Considering a switch?
Check whether an Ijarah option could suit your plans, including the costs of changing finance.
Self-employed?
We’ll help you understand the income records required for an assessment. The proposed product’s documentation rules apply.
02 / HOW IT WORKS
Ijarah finance. Explained clearly.
The option we arrange uses an Ijarah, or lease-based, structure. The agreement sets out the rental payments and the terms for completing or exiting the arrangement.
There is still a cost to the finance. We’ll explain the proposed payments, fees and conditions so you can make an informed decision.
The product provider publishes a certificate following an external Sharia committee’s review of its documents. That review has a defined scope and qualifications for the Australian context.
The funding partner assesses your application and property. Your finance documents identify the issuer and funding arrangements. Flexdoc helps prepare and coordinate the application.
Ask us for the documents relevant to your proposed finance. Your trusted religious adviser and solicitor can review them before you decide.
03 / GETTING STARTED
Start with a conversation.
You don’t need every answer before we talk. Bring your plans and we’ll help clarify the next step.
01
Share your plans
Tell us about the property, your deposit or equity, income and timing.
02
Check the fit
We explain the available option and the records needed for assessment.
03
Review the terms
Understand the agreement, payments and fees, with the independent advice you need.
04
Move forward
If you proceed, we coordinate the application and work through the funding partner’s requirements.
YOUR NEXT MOVE
Let’s talk about your next home.
Find out whether the available Ijarah home finance option could suit your circumstances.
