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Tjara Halal Financing
Tjara’s certified halal financing model is engineered for certainty, stability, and long‑term progress so you can build your future without compromise.
Tjara was built on one belief, that halal financing should be accessible to everyone, without hidden costs, long waits, or compromise. Everything we do is designed around your values and your future.
No halal premium. Fair, competitive, market‑aligned pricing.
As Low as 5% Down Payment
Accessible entry for qualified applicants — without compromising halal integrity.
No Waiting Lists
Instant application processing. No delays. No queues.
Certified Halal Model
Reviewed and supervised by an Ethical Advisory Board of globally recognized Shariah scholars.
Complete Home‑Buying Support
Financing, real estate agents & brokers, lawyers — everything you need under one roof.
Our financing structures are built on shared ownership, real assets, and disciplined processes — so you always know where you stand and how your ownership grows.
Your payments build your share in the property over time.
Assets are bought and sold at fair, agreed values.
Tjara and you enter the arrangement as partners sharing responsibility fairly
Every structure is reviewed and approved by our Ethical Advisory Board of globally recognized Shariah scholars.
Every Tjara financing structure is built on established Islamic principles and undergoes formal review by our Ethical Advisory Board giving you certainty that your financing is authentically halal, today and always.
From halal financing to ethical investment and strategic consulting Tjara offers a complete suite of Shariah-compliant financial services.
Home, commercial, and business financing built on real ownership not interest.
Shariah-compliant investment solutions designed for long-term halal wealth growth.
Strategic advisory and education for businesses and institutions seeking halal-aligned financial guidance.
Institutional partnerships, disciplined processes, and clearly documented structures ensure your financing is grounded in long‑term stability
Tjara Halal Financing, one of Canada’s biggest providers of halal – compliant home financing services, and commercial financing services, meets the unmet needs of millions of Muslim clients. The corporation, with its headquarters in Toronto, Ontario, operates in all Canadian provinces. We also offer halal compliance review of several investment solutions that are sold to clients in Canada identified as non interest based and are compliant with halal.
Major Canadian institutions who have accepted our Halal terms as set out by our renowned Ethical Advisory Board have joined hands with Tjara. We are actively pursuing other sources of funding so that we can soon penetrate the entire Canadian market by speaking with international institutions, ideally a Halal Bank.
Yes, currently the maximum we can finance is $1,000,000. Certain exemptions exist, please contact us for more information.
A sort of financing that complies with ethical law is known as halal – compliant financing. When it comes to the regular financial dealings of Muslims, there are a number of guidelines and prohibitions found in the Quran and the Sunnah (recorded sayings and habitual practices of the Prophet Muhammad, Peace and Blessing be Upon Him). Riba (usury/interest), gharar (speculation or contractual uncertainty), and maysir (gambling), for instance, are prohibited. A normal mortgage uses interest payments (riba), which are forbidden in Islam, all monotheistic religions, and even some non-monotheistic ones. Riba is not a part of the halal – compliant home finance plan offered by Tjara Halal Finance. Tjara provides a participatory financing program called the Declining Balance Co-ownership Program, which is based on an equity partnership between Tjara and its customers.
Halal financing avoids interest-based transactions and uses a partnership form of financing rather than borrowing money at interest, which is the primary distinction between halal financing and conventional financing options. The interest on borrowed money is not the foundation of our model. We use the partnership approach to provide a halal mortgage solution. A partnership arrangement that differs from an interest-based mortgage in that Tjara and a client (or partners) agree to a type of shared ownership. Instead of borrowing money with the intention of paying interest (which is forbidden in Islam), real estate is bought using a declining balance contract with a contribution from you for the down payment. In return for regular payments, you have sole use of the property with your name on the title.
Tjara provides financing option using partnership model which is pronounced halal by a group of scholars of ethical finance who are advisors to other prominent ethical financial institutions around the globe. Tjara halal financing provide financing for home and it also provide services for refinance of properties. In addition, Tjara also helps finance commercial properties and franchises for our customers.
Every great decision starts with the right conversation. Our private consultation gives you a safe, judgment-free space to share your concerns and get expert advice tailored to your situation. Whether you’re just exploring options or ready to move forward, we’re here to guide you every step of the way.
Suite 205, 2645 Skymark Avenue, Mississauga, ON, L4W 4H2
+1905-257-7543
connect@tjara.ca
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Certified halal financing for Canadian families, entrepreneurs, and communities Designed for stability, integrity, and long‑term growth.
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