Hejaz Financial Services Home Loan Rates
Hejaz Financial Services is one of the Australian home-loan lenders we track daily. We currently surface 415 active products from Hejaz Financial Services, refreshed from authoritative lender sources. The product table below sorts by comparison rate by default, the true-cost metric mandated by the National Consumer Credit Protection Act 2009, so you can see total cost, including standard fees, at a glance.
What are Hejaz Financial Services home loan rates?
Hejaz Financial Services home loan rates are in the live table on this page, ranked by comparison rate, with the lowest variable rate currently 6.50% p.a. and the lowest fixed rate currently 6.10% p.a., checked daily (last verified 28 Sept 2026). Compare Hejaz Financial Services against the wider market on home loan rates, check the comparison rate used to rank the table, or model extra payments with the extra repayments calculator.
What is the lowest Hejaz Financial Services home loan rate?
The lowest Hejaz Financial Services variable home loan rate Ratesniffers tracks is 6.50% p.a., and the lowest fixed rate is 6.10% p.a. These figures come from the 415 Hejaz Financial Services products on this page, ranked by comparison rate, checked daily (last verified 28 Sept 2026).
How many home loan products does Hejaz Financial Services offer?
Ratesniffers currently tracks 415 Hejaz Financial Services home loan products across variable, fixed and interest-only options for owner-occupiers and investors. Every rate is ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest products sit at the top.
415 Hejaz Financial Services home loan products
No active products surfaced. This lender may have paused new lending or recently been removed from our index, check back tomorrow.
Who is Hejaz Financial Services?
Hejaz Financial Services is a Melbourne-based provider of Shariah-compliant home finance for Australian buyers. It describes what it offers as financing rather than lending, built on alternative ownership structures and contractual arrangements that differ from conventional lending practice, with no interest charged.
Hejaz publishes three home finance tiers alongside a self-managed super fund option. Its Gold tier accepts a 5% deposit and funds to $2,000,000, its Essential tier requires a 20% deposit and funds to $3,000,000, and its Flexible tier requires a 20% deposit and funds to $25,000,000. All three allow unlimited additional repayments. Hejaz Capital Pty Ltd trades as Hejaz Financial Services and is a corporate authorised representative of Hejaz Financial Advisers Pty Ltd, AFSL 517686.
Who suits a Hejaz Financial Services home loan?
Hejaz tends to suit buyers who need their home finance to be Shariah-compliant and are comfortable with a contract structure that differs from a conventional mortgage. The 5% deposit on its Gold tier is low for the market, though that tier also carries the smallest funding cap of the three. Because the arrangement is not a conventional interest-bearing loan, the rates and comparison rates in the table above are not a like-for-like measure of what it costs, so confirm the full cost and the contract terms with Hejaz before comparing it to the loans above.
Background facts checked 3 September 2026. Rates above refresh independently.
Hejaz Financial Services fees, offset and limits at a glance
- Application or establishment fee
- 1.20% to 2.05% of loan amount depending on product.
- Discharge fee
- $795
- Settlement fee
- $900
- Additional valuation fee
- $310
- Rate lock fee
- $495
- Offset account
- 100%
- Lenders mortgage insurer
- Arch
- Capitalising LMI
- max 90% LVR include all the fees and charges
- Maximum total lending
- Please refer to product factsheets
- Extra repayments on fixed
- Extra repayments can be made up to $20,000 per annum without penalty
Checked 4 Sept 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.