Secure Your Home, The Halal Way.

Discover Sharia-compliant home financing that respects your faith, offering fair, interest-free solutions. A smarter, ethical approach to owning your home the Halal way.

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 allowed in Canada?

Yes. Our Halal financing solutions fully comply with all Canadian property and mortgage regulations.

How does the cost of Halal financing compare to a regular mortgage?

While the cost structure differs, we prioritize fairness and transparency so you'll always know what to expect with our Halal solutions.

Can I refinance my current mortgage into a Halal option?

Absolutely. Refinancing is possible to transition away from conventional interest-based loans to a Halal financing model.

What if I sell my home financed with Halal before full ownership?

You'll receive your equity share, and the remaining portion will be settled with our Halal financing partner.

How are Halal financing monthly payments calculated?

You pay rent on the portion you haven’t purchased yet, plus a gradual buyback of the partner’s share each month, consistent with Halal principles.

Which properties qualify for Halal financing?

We cover residential homes, first-time purchases, investment properties, and select commercial properties for Halal financing on a case-by-case basis.

Who ensures Halal and Sharia compliance?

Our Halal financing models strictly follow Sharia principles, designed to maintain ethical and fair practices.

Can non-Muslims apply for Halal financing?

Yes, anyone interested in ethical, interest-free Halal home financing can take advantage of this model.

Ready to Invest the Halal Way?

Discover Halal, Sharia-compliant home financing with expert guidance tailored to you.

Book Your Halal Consultation