Own Your Home, The Halal Way.

Halal home financing designed to align with your faith, offering ethical and interest-free solutions. A better way to buy your home—fair, transparent, and halal.

What is Halal Home Financing?

Halal home financing is an alternative to traditional mortgages that follows Islamic principles. Unlike conventional loans, it avoids interest (riba), which is prohibited in Islam. Instead, it uses Shariah-compliant methods such as cost-plus sales (Murabaha), lease-to-own (Ijara), or shared ownership (Musharakah).

With halal financing, the focus is on fairness, transparency and shared responsibility. Payments are structured around real asset transactions rather than interest, giving families a way to achieve homeownership while staying true to their faith.

In simple terms: Halal home financing helps you buy a home without interest, using ethical and faith-aligned agreements that are clear, fair, and built on trust.

How It Works?

For First-Time Homebuyers

Schedule a Consultation: Talk to SJ Real Estate to discuss your homeownership goals and financing options.
Get Pre-Approved: Work with our licensed Halal Mortgage Broker for pre-qualification.
House Hunting: SJ Real Estate will guide you to find the perfect property that fits your needs.
Making an Offer: We help you submit an offer and negotiate terms with the seller.
Closing the Deal: Finalize documents, sign the partnership agreement, and complete the home purchase.

For Repeat Homebuyers

Schedule a Consultation: Discuss your next property purchase and review your financing options with SJ Real Estate.
Get Pre-Approved: Work with our licensed Halal Mortgage Broker for pre-qualification.
House Hunting: SJ Real Estate will help you find and evaluate your next property.
Making an Offer: We assist with submitting offers and negotiating terms for your next home.
Closing the Deal: Sign the Musharaka agreement and finalize your property purchase.

FAQ's

Is Halal financing legal in Canada?

Yes. Our Halal financing models are fully compliant with Canadian property and mortgage laws.

Is it more expensive than a traditional mortgage?

It may differ in structure and fees, but we are committed to fairness and transparency so you always know the costs.

Can I refinance my current mortgage?

Yes, refinancing is possible if you want to move away from conventional interest-based lending.

What happens if I sell my home early?

You receive your equity portion, and the remaining share is settled with the financing partner.

How does monthly payment work?

Each month you pay rent for the portion you don’t yet own plus a payment to gradually buy back the partner's share.

What types of properties can I finance?

We offer residential homes, first homes, investment properties, and on a case-by-case basis, commercial properties.

Who oversees the Sharia compliance?

Our financing models are guided by Sharia principles and designed to ensure fairness and ethical financing.

Can non-Muslims use Halal financing?

Yes, anyone interested in ethical and interest-free financing under this model can apply.

Ready for Your Halal Investment?

Explore Shariah-compliant options with our expert guidance.

Schedule Now