Invest while strengthening the Islamic economy

Why invest with Baytulmaal
Investing with Baytulmaal provides a secure and ethical way to grow your wealth, fully aligned with Shariah principles and Australian law. Our approach ensures that your investment is handled with transparency and care, offering peace of mind and priority in transactions.
Home acquisition assistance - 100% compliance with Shariah principles
Shariah compliant investment operating under both an Australian Services Licence and a Australian Credit Licence
Complete transparency in all transactions
Home payments with fixed instalments, no interest rates, and Shariah-compliant funding—no banks involved.
Our Commitment to Ethical Investing
As an Australian Muslim-owned and operated business, Baytulmaal is deeply rooted in the community and guided by extensive Shariah knowledge. Our investment opportunities are designed to offer competitive returns while maintaining full compliance with Islamic principles.
Priority for investors in property sales
Secured investor funds during instalment periods
Respected Shariah Advisors overseeing compliance
Competitive returns aligned with ethical investment standards

What makes Baytulmaal unlike any other

True Sale

Fully Shariah-compliant sale, not partial.

Single Contract

Genuine sale agreement, not symbolic.

Community-Driven

Muslim-owned and Shariah-compliant.

Ethical Funding

Funded by ethical investors, not banks.

Fixed Rates

Stable, Shariah-compliant arrangements.

Cost-Effective

More affordable than traditional finance.

Deferred Sale

Uses Bai’ Mu’ajjal (deferred sale) method.

Transparent Terms

Minimum of 10% down payment, fixed instalments over 5–25 years.

Who can join our investment journey

Individuals (single or joint investors)
Overseas investors and expatriates
Self managed superannuation fund
Family trusts
Companies
All other investors

Simple process. Always.

01

Review Investment Documents & Book a Consultation

Potential investors begin by reviewing Baytulmaal's Product Disclosure Statement (PDS), Target Market Determination (TMD), and Financial Services Guide (FSG). Afterward, they can book a free consultation to discuss investment opportunities.

02

Submit Your Investor Application

Complete the Investor Application Form to officially apply as an investor, ensuring all details are accurate and aligned with Baytulmaal’s requirements.

03

Upload Supporting Documents

Provide all necessary supporting documents by uploading them as part of your application, ensuring your information is verified and complete.

04

Sign the Application & Finalize Details

Once all documents are submitted, investors sign the Investor Application form to confirm their commitment to the investment process.

05

Application Review & Fund Transfer Instructions

Baytulmaal reviews the investor's application and, upon approval, sends an email with instructions to transfer the required funds for the investment.

06

Confirm Investment & Receive Certification

After the transfer, investors provide proof of payment, and Baytulmaal issues a unit certification or investment certificate, along with other relevant documents to confirm the investment.

Ready to grow your investment portfolio?

Thank you!
Please apply by submitting our investor application form below.
Please make sure you read the company documents before you submit your applications.
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