Home Purchase Finance
تمويل شراء المنزل
Buy your first home or upgrade through a Diminishing Musharaka. We co-own the property with you, and you buy out our share over time. No interest, ever.
Musharaka Learn moreYusrafy is Australia's complete Islamic finance group. Home finance, investments, superannuation and auto finance, arranged the halal way. No riba. No compromise. A better financial life.
A complete suite of Shariah-compliant financial products, built for Australian Muslims and anyone who believes in ethical finance.
Buy your first home or upgrade through a Diminishing Musharaka. We co-own the property with you, and you buy out our share over time. No interest, ever.
Musharaka Learn moreLocked into a conventional mortgage? Switch to an interest-free Ijarah structure without disrupting your home or your credit position.
Ijarah Learn moreBuild from the ground up. Staged halal funding drawn as each construction milestone is reached, with no interest at any stage of the build.
Progressive Musharaka Learn moreDrive away the halal way. Shariah-compliant finance for new and used vehicles, structured through Murabaha, with no riba on the arrangement.
Murabaha Learn moreGrow a halal property portfolio. We arrange compliant finance for residential investment properties across every Australian state.
Halal investment Learn moreA Sukuk-based active ETF: a Shariah-compliant alternative to conventional bonds, traded on the ASX and screened by an independent Shariah board.
ASX listed Learn moreActively managed, Shariah-compliant funds. Your money grows through screened assets, with no alcohol, gambling, weapons or riba in the portfolio.
Actively managed Learn moreInvest from as little as $100 from your phone. The full product suite in your pocket, on iOS and Android, with every holding Shariah-screened.
From $100 DownloadYour super, invested in line with Islamic values. Every holding is screened to avoid haram industries, so your retirement savings stay halal.
Shariah screened Learn moreAn account-based pension built on Islamic principles. Move into retirement while keeping your wealth halal, from your first drawdown onward.
Account-based Learn moreIslamic financial planning for individuals, families and businesses. Our advisers help you build a complete, halal financial plan for life.
Licensed advice Book a sessionEvery product is certified by qualified Islamic scholars, with a rigorous independent review of each structure and contract.
Fully regulated under Australian financial law. You get the protection of consumer law and the integrity of Islamic finance principles.
We sit in the heart of the community we serve. Real people you can meet, not a call centre. We arrange your finance and stay with you through it.
Islamic finance is not only for Muslims. Anyone who wants ethical, interest-free finance is welcome, and we guide you to the right structure.
Home finance, investments, superannuation and pensions, arranged under one roof by a broker who understands both Islamic principles and the Australian market.
The Yusrafy app puts the whole suite in one place. Track investments and super, get home finance quotes and check your eligibility, anywhere in Australia.
I had put off buying for years because of riba. Yusrafy made the whole process genuinely simple, and I can sleep at night.
I moved my super across and it was seamless. Knowing my retirement savings are not in haram investments is a real relief.
I am not Muslim but I wanted ethical finance. The Sukuk ETF held up well and every dollar is screened. I cannot fault it.
Check your eligibility in three minutes. No interest, no compromise. Join thousands of Australians building a better financial future the halal way.