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Customer Help Centre

Finance

Finance

General Questions & FAQs

What makes our Home Finance Halal

Does Sheikh ABC endorse you? Send me your finance contract for review

Who has verified your Sharia Compliance?

Why do you show % rates for products if you do not charge or pay interest?

How is the finance product structured?

Would Hejaz share any profit or loss as a result of selling the property?

How does Hejaz ensure its activities are Sharia compliant?

What is the key difference between Islamic finance and traditional Australian finance?

Is Late Payment Fee Sharia Compliant?

How can Variable rates be Halal and do the rates change often?

Two aspects that differentiate Hejaz Islamic Finance from other Islamic Finance providers

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Getting Started with Home Finance

Does Hejaz offer fixed rate home loans?

Do you always require a valuation of the property?

Does Hejaz assist in applying for FHOG?

What is an offset account?

What if part of my deposit is gifted funds?

What is redraw on a home loan?

What is the maximum term I can fix my rate for?

I have an existing loan with Hejaz. Can I borrow additional funds without going through the full application process?

I have an existing construction loan with Hejaz. Can I refinance to another lender before construction is completed?

Can my spouse be on the title but not on the mortgage?

Can my spouse be on the mortgage but not the title?

What is the difference between a solicitor and a conveyancer?

Do I need to engage a solicitor/conveyancer for my property purchase?

Does Hejaz offer car loans?

Does Hejaz offer marriage loans?

Does Hejaz offer personal loans?

Does Hejaz offer SMSF loans?

Does Hejaz offer education loans?

Can I add my children to the finance application/title of property – is this possible?

I am not an Australian Citizen. Can I still apply for a home loan with Hejaz?

Can I access my super for home deposit purposes?

How does a construction loan differ from a home loan?

How long do I have to build with a construction loan?

When refinancing to Hejaz, why does my new loan amount need to be higher than my actual loan balance with my current lender?

Does the pre-approval check affect our credit score?

How much savings should we have ready for our property purchase?

How long will the entire home loan application process take?

I was told that Hejaz is internally funded, but I see a different entity as the Financier? Does this mean this is a third party Funded mortgage?

Does Hejaz offer finance for property development?

Does Hejaz offer finance for commercial properties?

How long is my pre-approval valid for?

Will I be refunded for the valuation and finance application fee if my application is not approved?

What is Lenders Mortgage Insurance (LMI)?

When should I pay my home deposit to the seller?

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Post Settlement

What do I need to do if I am selling my property?

How do I update my mailing/residential address?

How do I make an overseas funds transfer?

Why is my latest transaction not showing up on my account?

Can I switch from a variable rate to a fixed rate home loan?

Will I need to notify Hejaz if I carry out renovations to my home?

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Settlement

What is a Certificate of Currency?

What is the purpose of the Direct Debit Request Form?

What is break cost?

What is a default rental rate?

What happens on settlement day?

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Hejaz Gold

Construction loan – How do I request for funds to be released to my builder?

How can I access my online account for Hejaz Gold?

Can I set up an offset account for Hejaz Gold?

How do I amend an existing direct debit repayment for Hejaz Gold?

Where can I view my home loan statements for Hejaz Gold?

Forgot my password

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Hejaz Essentials

How do I amend an existing direct debit repayment for Hejaz Essentials?

How can I access my online account for Hejaz Essentials?

Where can I view my home loan statements for Hejaz Essentials?

Forgot my password

Hejaz Flexible

How can I access my online account for Hejaz Flexible?

Can I set up an offset account for Hejaz Flexible?

Where can I view my home loan statements for Hejaz Flexible?

Understanding Finance

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Finance FAQs

What happens if the property is valued at a lower amount than expected?

What does a Pre-Approval mean?

Can I refinance at any time?

What happens if the valuation report is not acceptable and I have conditional approval?

What do I do if I want to increase the finance amount after I have been approved?

What do I do if my pre-approval expires and I haven’t found a property yet?

What happens if I feel that my application is taking longer than the expected timeframes mentioned?

Can I refinance my existing bank loans?

Do I need to have an Australian bank account for the Direct Debit?

What happens if I do not promptly provide all the documents/information required/requested?

Can the rental facility fee rate change after I have signed my contract?

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