Islamic Financing

Halal Homeownership with Diminishing Musharaka

At Blue Rock Financial, we offer a Shariah-compliant home financing solution designed specifically for Canadian Muslims seeking ethical, interest-free options. Our financing model is based exclusively on Diminishing Musharaka (Declining Partnership) — a halal way to own your home without paying interest (riba).

What Is Diminishing Musharaka?

Diminishing Musharaka is a co-ownership partnership between you and Blue Rock Financial. Together, you purchase the home, and over time, you gradually buy out our share through agreed-upon payments.

You live in the property while paying rent on the portion owned by Blue Rock Financial.
Your ownership stake increases as you purchase more shares, until you become the sole owner.
This model avoids interest, promotes shared risk, and aligns fully with Islamic finance principles.

Why Choose Blue Rock Financial for Your Islamic Financing?

Shariah-compliant financing backed by a Fatwa from the Shariah Review Bureau (SRB)
Licensed mortgage brokerage powered by Dominion Lending Centres (DLC)
Over 30 years of combined experience in real estate and mortgage financing
Offices in Toronto and Vancouver, serving clients nationwide
Dedicated to providing transparent, ethical, and client-centered service

Who Is It For?

Muslim families seeking halal homeownership
First-time buyers who want an interest-free mortgage alternative
Newcomers and professionals looking for faith-aligned financing
Anyone seeking a transparent and ethical financing solution

Ready to Begin Your Halal Homeownership Journey?

Contact us today to schedule your free consultation and discover how Diminishing Musharaka can make your dream home a reality — the halal way.