---
title: "Prime Home Loan — Ijarah Islamic Finance"
description: "Home Loans from Ijarah Islamic Finance. Rates, fees, features and eligibility as published under Australia's Consumer Data Right."
canonical: https://www.cdrcompare.au/brands/ijarah-islamic-finance/products/IJF01000
source: "CDR Compare"
language: en-AU
last_updated: 2026-08-27T01:36:05Z
---

# Prime Home Loan — Ijarah Islamic Finance

> Home Loans from Ijarah Islamic Finance. Rates, fees, features and eligibility as published by the provider under Australia's Consumer Data Right, compared on CDR Compare.

**Home Loans · Negotiable rates**

Our home loan gives you the flexibility to manage your money how and when you want. You’ll get access to our online loan portal, the freedom to make additional repayments along with the option for eligible variable interest rate loans to add 100% interest offset sub-account(s) and VISA debit card+ access (monthly fees apply).

## Fees

| Fee | Type | Amount |
| --- | --- | --- |
| Prime Establishment Fee — Charged once at finance establishment for prime residential mortgage applications. | Upfront | $599.00 |
| Prime Admin Fee — Charged monthly · Charged monthly per account split for ongoing administration of the finance. | Ongoing | $10.00 |
| Legal Fee — Covers standard legal costs incurred at finance establishment. | Upfront | $330.00 |
| Legal Disbursements — Third-party legal costs such as searches and registrations, charged at cost. | Upfront | Variable |
| Discharge Fee — Charged per plan when the finance is fully discharged. | Exit | $500.00 |
| Fixed Rate Lock Fee — Applies to fixed rates only if Rate Lock option is requested. | Upfront | 0.15% of balance |
| Valuation Fee — One standard valuation included. | Upfront | Variable |
| Risk Fee — Risk Fee may be payable depending on finance amount and LVR. | Upfront | Variable |

## Features

- **Offset account** (100% Interest Offset sub-account. Manage rental repayments charged with an Offset sub-account. Not available during Fixed Rate term.)
- **Redraw facility** (Redraw Facility (minimum redraw amounts apply). Make additional repayments and redraw at any time. Not available during Fixed Rate term.)
- **Card access** — Visa Debit Card (including payWave). Access additional advances with a Visa Debit Card.
- **Extra repayments** (Additional repayments. Make extra repayments at any time, subject to terms and conditions.)
- **Flexible Loan Terms. 10-40 year finance terms are available (maximum 30 years for Interest Only).**
- **Digital banking** (Provides borrowers online access to view and manage finance accounts.)
- **Repayment option - choose between variable and rental only (max 5 years) repayments.**

## Eligibility

- **Minimum age** — 18 years (Individual borrower must be 18 years + to enter into a contract.)
- **Residency status** — Only available to Australian Citizens or Permanent Residents.
- **All applications are subject to credit assessment and eligibility criteria.**

## Constraints

- **Minimum limit** — $100,000.00

## Data provenance

- Published by Ijarah Islamic Finance under the Consumer Data Right
- Product ID: `IJF01000`
- Last updated by the provider: 27 August 2026
- Source payload (JSON): https://www.cdrcompare.au/api/raw/ijarah-islamic-finance/IJF01000
- Provider page: https://www.cdrcompare.au/brands/ijarah-islamic-finance

---

Source: [CDR Compare](https://www.cdrcompare.au/brands/ijarah-islamic-finance/products/IJF01000) — product data published by Australian data holders under the Consumer Data Right. Not financial advice; no rankings, recommendations or affiliate relationships. Always confirm details with the provider.

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