About Us
At HIDAYAH Financial, we are committed to providing faithful, ethical, and Sharia-compliant financial solutions that empower individuals and businesses. Our motto – Faithful Finance, Ethical Growth – reflects our dedication to offering home finance that aligns with Islamic principles while fostering long-term prosperity.
Founded by Fabs Aria, Hidayah brings decades of experience in banking, mortgage management, credit assessment, and community-focused financial services. We combine industry expertise with a values-based approach to deliver fair and transparent financial solutions.
Fabs Aria
Fabs is a highly experienced financial services professional with an extensive background in economics, finance, broking and banking. Over the years, he has worked in credit assessment, mortgage lending, and financial advisory, helping clients navigate complex financial landscapes while staying true to ethical principles. His hands-on approach and commitment to responsible lending practices have made a tangible impact, particularly in supporting families facing financial difficulties.
Hidayah Financial offers fair, transparent, and interest-free financial solutions, helping individuals in the Islamic community achieve success and prosperity without compromising their values.
What We Finance
Residential
- Owner-Occupied Homes – purchasing an established property to live in
- Refinance – switching an existing mortgage into a Sharia-compliant facility
- Investment Properties – purchasing established residential investment properties
Key Features
fixed/ variable finance facility rate options
Offset Facility
Unlimited Additional Repayments
Low Doc Options
Up to 95% LVR
Competitive Rates
Why Choose Us
Traditional loans rely on interest, which is prohibited under Islamic finance principles. Hidayah Financial offers Sharia-compliant solutions through the Ijara model, where a financier acquires the property and leases it to the client. Instead of paying interest, the client makes structured payments that combine rent and equity contributions. Over time, their ownership share increases until they fully own the property. This ethical and transparent approach ensures compliance with Islamic finance while providing a fair path to homeownership.
Sharia Compliant Loan Funding
Funding is sourced from the strongest non-bank lenders in Australia
Islamic Ijara Contract
Ijara Finance Facility compliant with Australian Credit Laws
Secure Property Ownership
Legal title in the client’s name from day 1