Our Services

Our Housing Finance Product:

  • A true partnership with our members to own property.
  • Share in the property’s fixed running costs like council rates, strata and water supply costs.
  • Payments are linked to market rental prices and property prices.
  • Share in the risk of property value gain or loss.

We’re Different:

  • 100% member funded.
  • 0% interest from the banks.
  • We are run for the benefit of our members.


How It Works – click here

ICFAL Investment Portfolio

  • Housing finance – Want more information download here
  • Vehicle finance – Want more information download here
  • Hajj fund
  • Qard Hasan (Benevolent) fund
  • Children Education fund

Administration of Finance:

  • An applicant needs to be a member (hold annually a minimum 5 shares valued at $100 per share; wait for 6 months and can contribute 20% equity of total purchase price of the property) before applying for finance for a nominated property.
  • When you need finance for buying vehicle, house, consumer’s durables or other properties, you enter in a Co-ownership or Partnership agreement with ICFA Limited.
  • The Co-ownership is determined according to the proportional contribution to the agreed value of the asset.
  • You will be the full owner of the asset through options as:
  • Pay an agreed monthly installment to the ICFA until 100% of the total agreed value is paid.
  • Pay an agreed monthly rental and installment of the purchased cost of the asset under the Shared Equity Rental Scheme.

Administration of Shares:

You buy shares or investment units after you become a member of ICFA limited at any time. You can withdraw $1000 equivalent of the share per month at any time. A greater amount needs one-month notice to ICFA Ltd.

To invest, you need to become a member by simply filling an application form and mail it to our address with a cheque payable to ICFA with the payment of $100 membership fee and a number of shares purchased (5 shares minimum i.e. $500).

For further information on property finance click here.