Menu
$500M
In Finance Provided Worldwide
24/7
Finance Experts Available
6 Times
Best Finance Awards
AIDS
World’s Leading Choice for Ethical & Shariah-Compliant Finance
Raya is world’s leading provider of Shariah-compliant home financing solutions. Make your property dreams a reality with our award winning Islamic home finance solutions.
SCROLL
Menu
$500M
In Finance Provided Worldwide
24/7
Finance Experts Available
6 Times
Best Finance Awards
AIDS
World’s Leading Choice for Ethical & Shariah-Compliant Finance
Raya is world’s leading provider of Shariah-compliant home financing solutions. Make your property dreams a reality with our award winning Islamic home finance solutions.
SCROLL
Menu
$500M
In Finance Provided Worldwide
24/7
Finance Experts Available
6 Times
Best Finance Awards
AIDS
World’s Leading Choice for Ethical & Shariah-Compliant Finance
Raya is world’s leading provider of Shariah-compliant home financing solutions. Make your property dreams a reality with our award winning Islamic home finance solutions.
SCROLL
Home Finance
01
Stop renting and start owning with an ethical, interest-free partnership. We help you secure your home through a transparent co-ownership model where you build real equity every month.
01
Development Finance
02
Turn blueprints into reality with robust, Shariah-compliant project funding. We provide the structural capital required for large-scale residential construction, commercial builds, and land development.
02
Car Finance
03
Stop renting and start owning with an ethical, interest-free partnership. We help you secure your home through a transparent co-ownership model where you build real equity every month.
03
(How It Works)
The Blueprint of finance
Your path to Shariah-compliant development finance — simplified into clear, straightforward steps.
(01)
Submit Blueprints
Upload all your project’s Council -approved DA files through our secure digital portal for an initial review.
(02)
Project Valuation
Our independent experts assess the Gross Realisation Value (GRV) to verify funding parameters.
(03)
Partnership Offer
We issue a transparent, interest-free contract detailing our fixed profit margin and co-ownership terms.
(04)
Capital Activation
Our finance partner establishes the asset-backed structure and secures the property alongside you.
(05)
Monthly Drawdowns
Funds are released in structured stages directly to your licensed builder at major construction milestones,
(How It Works)
The Blueprint of finance
Your path to Shariah-compliant development finance — simplified into clear, straightforward steps.
(01)
Submit Blueprints
Upload all your project’s Council -approved DA files through our secure digital portal for an initial review.
(02)
Project Valuation
Our independent experts assess the Gross Realisation Value (GRV) to verify funding parameters.
(03)
Partnership Offer
We issue a transparent, interest-free contract detailing our fixed profit margin and co-ownership terms.
(04)
Capital Activation
Our finance partner establishes the asset-backed structure and secures the property alongside you.
(05)
Monthly Drawdowns
Funds are released in structured stages directly to your licensed builder at major construction milestones,
(How It Works)
The Blueprint of finance
Your path to Shariah-compliant development finance — simplified into clear, straightforward steps.
(01)
Submit Blueprints
Upload all your project’s Council -approved DA files through our secure digital portal for an initial review.
(02)
Project Valuation
Our independent experts assess the Gross Realisation Value (GRV) to verify funding parameters.
(03)
Partnership Offer
We issue a transparent, interest-free contract detailing our fixed profit margin and co-ownership terms.
(04)
Capital Activation
Our finance partner establishes the asset-backed structure and secures the property alongside you.
(05)
Monthly Drawdowns
Funds are released in structured stages directly to your licensed builder at major construction milestones,
Clients Stories
01 / 05
Julian V. Sterling
Director, Global Tech Firm
“I’ll be honest, I was skeptical about how smooth a Shariah-compliant process would be compared to a traditional bank, but the team at Raya completely changed my perspective. We used their Ijarah framework for our first home in Melbourne, and the transparency was refreshing—no hidden 're-draw' fees or confusing interest calculations.
Clients Stories
01 / 05
Julian V. Sterling
Director, Global Tech Firm
“I’ll be honest, I was skeptical about how smooth a Shariah-compliant process would be compared to a traditional bank, but the team at Raya completely changed my perspective. We used their Ijarah framework for our first home in Melbourne, and the transparency was refreshing—no hidden 're-draw' fees or confusing interest calculations.
(FAQs)
Your Questions, Answered!
The DUNE team blends innovation with decades of industry experience — grounded in collaboration, and driven by integrity and excellence.
How is this shariah complaint?
Who Can Get Finance?
What Is the Maximum & Minimum I can Finance?
What Documents Do I Need?
Are There Any Age Restrictions?
How Does Ijarah Works Basically?
What Famous Scholars have to say about Ijarah?