A verified Hejaz Financial Services product example is Gold Home Loan Owner Occupied 70% - 80% LVR <$3.5m P&I: 6.55% p.a. (6.90% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 9 November 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
Fixed product example
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Check the product rates and conditions in the table. A verified example for this loan scenario is unavailable.
Variable example comparison
6.90%
A verified Hejaz Financial Services product example is Gold Home Loan Owner Occupied 70% - 80% LVR <$3.5m P&I: 6.55% p.a. (6.90% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 9 November 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
Last updated
14 November 2026
Hejaz Financial Services is one of the Australian home-loan lenders we track daily. We currently surface 414 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?
Ratesniffers compares Hejaz Financial Services home loan products by comparison rate. A verified Hejaz Financial Services product example is Gold Home Loan Owner Occupied 70% - 80% LVR <$3.5m P&I: 6.55% p.a. (6.90% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 9 November 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. 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?
A verified Hejaz Financial Services product example is Gold Home Loan Owner Occupied 70% - 80% LVR <$3.5m P&I: 6.55% p.a. (6.90% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 9 November 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. These selected examples do not establish the lowest rate across every product or borrower scenario.
How many home loan products does Hejaz Financial Services offer?
Ratesniffers currently tracks 414 Hejaz Financial Services home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 60 that pass our data-quality checks on this page. 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.
Hejaz Financial Services home loan rates at a glance
Product type
Rate
Comparison rate
Max LVR
Variable Owner-occupier interest-only
7.73% p.a.
n/a
60%
Variable Owner-occupier interest-only
7.73% p.a.
n/a
75%
Variable Owner-occupier interest-only
7.73% p.a.
n/a
80%
Variable Investor P&I
7.59% p.a.
7.74% p.a.
65%
Variable Owner-occupier P&I
7.59% p.a.
7.74% p.a.
65%
Variable Investor interest-only
7.74% p.a.
n/a
70%
Fixed 1-year Owner-occupier P&I
7.75% p.a.
6.93% p.a.
70%
Fixed 2-year Owner-occupier P&I
7.75% p.a.
7.06% p.a.
70%
Fixed 2-year Owner-occupier P&I
7.75% p.a.
7.38% p.a.
85%
Fixed 3-year Owner-occupier P&I
7.75% p.a.
7.18% p.a.
70%
Fixed 3-year Owner-occupier P&I
7.75% p.a.
7.46% p.a.
85%
Fixed 4-year Owner-occupier P&I
7.75% p.a.
7.29% p.a.
70%
60 of 414 tracked Hejaz Financial Services home loan products
Hejaz Financial ServicesEssentials Home Loan Low Doc Owner Occupied <60% LVR <$750k Ijara Only (Regional) (Offset)
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Hejaz Financial ServicesEssentials Home Loan Low Doc Owner Occupied 70% - 75% LVR <$1.5m Ijara Only (Offset)
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Hejaz Financial ServicesEssentials Home Loan Low Doc Owner Occupied 75% - 80% LVR <$1.5m Ijara Only (Offset)
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Hejaz Financial ServicesFlexible Home Loan Full Doc Investment <65% LVR $5m - $10m P&I (Risk Grade A)
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Hejaz Financial ServicesEssentials Home Loan Full Doc Owner Occupied 80% - 90% LVR <$1.25m Ijara Only
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Hejaz Financial ServicesEssentials Home Loan Low Doc Investment <60% LVR <$750k Ijara Only (Regional)
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Hejaz Financial ServicesEssentials Home Loan Low Doc Investment 70% - 75% LVR <$1.5m Ijara Only (Offset)
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Hejaz Financial ServicesEssentials Home Loan Low Doc Investment 75% - 80% LVR <$1.5m Ijara Only (Offset)
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
Average monthly interest assuming that balance and rate stay unchanged, excluding fees and offsets. Amounts can vary by month because lenders may calculate interest daily; later repayments may differ.
*Important Information and Comparison Rate Warning
WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
The information provided on this site is general in nature and does not take into account your objectives, financial situation or needs. Before acting on any information, consider whether it is appropriate for you and read the relevant Credit Guide and lender disclosures.
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 9 Nov 2026. Lender fees and policy change without notice, so confirm the detail with the lender before you apply.
Hejaz Financial Services home loans: frequently asked questions
What are Hejaz Financial Services home loan rates?
Ratesniffers compares Hejaz Financial Services home loan products by comparison rate. A verified Hejaz Financial Services product example is Gold Home Loan Owner Occupied 70% - 80% LVR <$3.5m P&I: 6.55% p.a. (6.90% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 9 November 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. Compare Hejaz Financial Services at /home-loans. The /guides/comparison-rate explains the fee-inclusive figure used to rank the table. To model extra payments, use /calculators/extra-repayment.
What is the lowest Hejaz Financial Services home loan rate?
A verified Hejaz Financial Services product example is Gold Home Loan Owner Occupied 70% - 80% LVR <$3.5m P&I: 6.55% p.a. (6.90% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 9 November 2026. This is a selected example, not every product or a personalised offer. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. These selected examples do not establish the lowest rate across every product or borrower scenario.
What is the monthly repayment on a $600,000 Hejaz Financial Services home loan?
For a hypothetical $600,000 principal-and-interest loan over 30 years, keeping this variable interest rate unchanged gives about $3,812 a month before fees. The selected source example is Gold Home Loan Owner Occupied 70% - 80% LVR <$3.5m P&I: 6.55% p.a. (6.90% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 9 November 2026. Variable rates can change; this calculation does not establish eligibility or approval. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years. Use /calculators/repayment to model your own amount and term.
How much do you need to earn for a $500,000 Hejaz Financial Services home loan?
There is no single salary requirement for a Hejaz Financial Services home loan. The lender assesses income, expenses, debts and repayment capacity. APRA's residential mortgage framework generally requires governed authorised deposit-taking institutions to apply a minimum 3 percentage point buffer above the payable interest rate, ignoring temporary introductory discounts, with prudent limited policy exceptions. This does not establish Hejaz Financial Services's actual assessment rate or approval criteria. Confirm the applicable lender policy and use /calculators/income-required for an illustrative estimate, not approval.
How does Hejaz Financial Services's home loan rate compare to the market?
A verified Hejaz Financial Services product example is Gold Home Loan Owner Occupied 70% - 80% LVR <$3.5m P&I: 6.55% p.a. (6.90% comparison rate), variable, for an owner-occupier principal-and-interest loan at 80% LVR (listed LVR band 70% to 80%), as of 9 November 2026. Across 26 covered listed lenders, the median advertised interest rate of one selected owner-occupier principal-and-interest variable example per lender at 80% LVR is 6.44% p.a., as of 9 November 2026. This describes those selected examples, not the whole market or rates approved for borrowers. WARNING: This comparison rate applies only to the example or examples given. Different amounts and terms will result in different comparison rates. Costs such as redraw fees or early repayment fees, and cost savings such as fee waivers, are not included in the comparison rate but may influence the cost of the loan. The comparison rate displayed is based on a loan of $150,000 over a term of 25 years.
How many home loan products does Hejaz Financial Services offer?
Ratesniffers currently tracks 414 Hejaz Financial Services home loan products across variable, fixed and interest-only options for owner-occupiers and investors, and ranks the 60 that pass our data-quality checks on this page. Every rate is checked daily against each lender's current published pricing and ranked by comparison rate, the ASIC-mandated figure that folds in most fees, so the genuinely cheapest loans sit at the top.
Is Hejaz Financial Services competitive for refinancing?
Compare Hejaz Financial Services's available product conditions and total costs with your existing loan. A listed rate does not establish refinance eligibility. Allow for discharge, establishment and any fixed-loan early repayment costs, and confirm applicable lender terms before switching. Compare the table with /home-loans/refinance.
How often are Hejaz Financial Services's home loan rates updated?
Ratesniffers refreshes Hejaz Financial Services's home loan rates daily; this page was last updated 14 November 2026. Rates can change whenever Hejaz Financial Services reprices or the RBA moves the cash rate, so the figures shown reflect the most recent data we hold rather than a static snapshot.
