Our efficient, quality-driven business model offers funding for retail, commercial, and investment purposes.  Our real estate finance solutions are based on sound mortgage lending principles, delivered within a trusted and value adding advisory model, giving our clients increased access to real estate solutions that meet their needs throughout the key stages of their lives.

Reef is dedicated to bringing Islamic business principles to our economic community.  We work proactively to ensure our service embraces the fundamental philosophies of Islam through Shariah compliant products and policies that benefit both our customers and the wider community.  

Our available Islamic real estate financing options include:

• Lease to own (Ijarah muntahia biltamleek)
  This product gives our customers the opportunity to own their property at the end of the lease period.  Installments are designed to meet your financial obligations, comfortably giving you monetary freedom now with ownership when you’re ready.
  
  
• Partnership Finance (Musharaka) 
  Under our Partnership Finance option, Reef commits itself as a partner in its clients' financed project or property.  With this option comes the reassurance of a contracted alliance with Reef towards capital provision, and profit and loss sharing.
  
  
• Diminishing Partnership Finance (Musharaka Mutanagisa)
  With Reef's diminishing partnership finance scheme, clients are afforded the assurance of partnership during the project, and the luxury of sole ownership at the end of the property or development financing.
  
  
• Cost Plus Finance (Murabaha)
  Our Cost Plus Finance option gives our customers the stability and comfort of fixing the profit rate throughout the finance period.  This option gives our clients greater control over their financial planning.
  
  
• Moving fast?
  Reef appreciates that the real estate market moves fast, that’s why we offer Reef Fast-track Finance - our pre-approved mortgage finance solution. Once our clients have passed our simple Reef Review we can give them the green light for finance even before they identify a property, which means we can release the funds as soon as our customers need them. No worry, no stress, just freedom to choose.

The market is full of questions. Reef has the answer.