Freedompropertyinvestors.com.au Review

Based on checking the website, Freedompropertyinvestors.com.au positions itself as Australia’s leading property investment advisory. While the site presents a robust front with claims of extensive research, a large team, and significant success stories, a crucial element is missing for an ethical and comprehensive review, particularly from an Islamic finance perspective: the explicit mention of how their investment strategies align with Sharia principles. Property investment, when involving conventional mortgages and interest-based financing, directly conflicts with the prohibition of Riba (interest) in Islam. The website heavily promotes paying off mortgages and building property portfolios, which in a conventional Australian context almost certainly involves interest-bearing loans. Without clear disclaimers or alternative Sharia-compliant financing options presented, it’s difficult to recommend this service for those seeking ethical, interest-free investment pathways.

Here’s an overall review summary:

• Overall Recommendation: Not recommended for those seeking Sharia-compliant property investment.
• Transparency on Sharia Compliance: Lacking. No mention of halal financing or Riba-free options.
• Information on Founders: Detailed profiles for Scott Kuru and Lianna Pan available.
• Claimed Expertise: High, with Lianna Pan being a qualified actuary and mention of a “13-point selection criteria.”
• Success Metrics: Claims of 10,000+ members, 2,000+ 5-star Google reviews, and $4 billion in property transactions.
• Service Offerings: Caters to first-time investors, experienced investors, and those looking to retire early.
• Ethical Consideration (Islamic Finance): Major red flag due to the strong implication of conventional, interest-based financing in property investment.

The website of Freedompropertyinvestors.com.au certainly paints a picture of a well-established and successful operation in the Australian property investment landscape. They highlight their status as “Australia’s
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IMPORTANT: We have not personally tested this company’s services. This review is based solely on information provided by the company on their website. For independent, verified user experiences, please refer to trusted sources such as Trustpilot, Reddit, and BBB.org. freedompropertyinvestors.com.au FAQ

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#1 Property Investment Advisory,” boast recognition from the Financial Review, and parade impressive figures like serving over 10,000 property investors and facilitating $4 billion in property transactions. The profiles of their founders, Scott Kuru and Lianna Pan, are prominently featured, with Lianna’s background as a qualified actuary and their “13-point selection criteria” lending an air of sophisticated data-driven expertise. They offer services tailored to various investor types, from first-timers to those planning for early retirement, and detail an 8-step methodology for guiding clients. However, the glaring omission for any Muslim investor is the absence of any discussion around Sharia-compliant investment. In Australia, property acquisition often relies on conventional mortgage products, which inherently involve Riba (interest) – a practice explicitly forbidden in Islam. While they talk about “paying off your mortgage in 7 years” or “investing in property using your super (SMSF),” none of these phrases inherently suggest an Islamic finance approach. Without a clear commitment to or guidance on interest-free financing, a significant portion of their potential audience seeking ethical investments will find their offerings problematic. The allure of quick gains and financial freedom, while appealing, must be weighed against foundational Islamic principles.

Best Ethical Alternatives for Property and Investment Advice (Non-Riba based)

Given the concerns regarding interest-based financing in conventional property investment, here are some ethical alternatives focusing on Sharia-compliant approaches to wealth building and property:

• Amanah Finance Navigating the Australian Property Investment Landscape Ethically

  • Key Features: Specialises in Islamic home finance, business finance, and investment products. Focuses on Sharia-compliant structures like Murabaha and Ijarah. Offers transparent, ethical financing solutions without conventional interest.
  • Price: Varies based on financing product and property value; competitive with conventional financing, but structured differently to avoid Riba.
  • Pros: Fully Sharia-compliant; provides genuine ethical alternatives for property ownership; focuses on real asset-backed transactions.
  • Cons: Limited product range compared to conventional banks; processes might be new to those unfamiliar with Islamic finance.

• Hejaz Financial Services

  • Key Features: Offers a range of Islamic financial services including home loans, superannuation, and investment opportunities that adhere to Sharia principles. Provides advice on ethical wealth management.
  • Price: Product-specific fees and profit rates; transparent pricing structures.
  • Pros: Comprehensive suite of Islamic financial products; strong commitment to Sharia compliance; experienced team in Islamic finance.
  • Cons: May require more due diligence for those new to Islamic finance concepts; market presence might be less widespread than conventional providers.

• Islamic Bank Australia (Upcoming)

  • Key Features: Australia’s first planned Islamic bank, aiming to offer a full range of Sharia-compliant banking services, including home finance, personal finance, and investment products.
  • Price: Not yet fully operational but expected to offer competitive, ethical pricing.
  • Pros: Represents a significant step towards mainstream Islamic finance in Australia; promises a broad range of compliant services.
  • Cons: Still in the establishment phase, not yet fully operational; limited current product offerings.

• Ethical Investment Group Australia

  • Key Features: While not exclusively Islamic, they focus on ethical and socially responsible investments (SRI). This often aligns with Islamic principles by excluding industries like alcohol, gambling, and conventional finance. Can help identify companies with strong ESG (Environmental, Social, Governance) scores.
  • Price: Advisory fees for portfolio management; varies based on assets under management.
  • Pros: Broader ethical screening; can be a good starting point for general ethical investing; offers diversified portfolios.
  • Cons: Not explicitly Sharia-compliant, so additional screening might be needed for specific Islamic criteria; some SRI funds may still include elements not permissible in Islam.

• Australian Ethical Investment

  • Key Features: A well-known Australian ethical investment firm offering superannuation and managed funds that avoid harmful industries. Their screening process is robust, often aligning with principles of avoiding Riba, gambling, and other prohibited activities.
  • Price: Management fees for super and managed funds, typically a percentage of assets.
  • Pros: Long track record in ethical investing; strong negative screening; accessible for superannuation and broader investments.
  • Cons: Not specifically designed for Sharia compliance, so individual asset screening may be necessary for strict adherence.

• Property Investment Education (General)

  Freedompropertyinvestors.com.au Review & First Look

  • Key Features: While not a service provider, investing in robust, unbiased education about property markets, legal frameworks, and ethical investment strategies is crucial. Look for resources that discuss various financing models, including alternatives to conventional mortgages.
  • Price: Varies from free online resources to hundreds of dollars for comprehensive courses or books.
  • Pros: Empowers individuals to make informed decisions; avoids reliance on a single advisory service; allows for independent research into Sharia-compliant property acquisition.
  • Cons: Requires significant time and effort for self-education; might not provide direct access to specific Sharia-compliant deals.

• Financial Planners (Fee-for-Service)

  • Key Features: Seek out independent financial planners who operate on a fee-for-service model and are open to discussing Sharia-compliant financial strategies. They can help integrate property investment into a broader financial plan while adhering to ethical guidelines.
  • Price: Hourly rates or fixed fees, typically ranging from AUD $150 to $500+ per hour for advice, or fixed fees for specific plans.
  • Pros: Personalised advice tailored to individual financial situations and ethical requirements; can help navigate complex financial structures.
  • Cons: Finding a planner knowledgeable in Islamic finance can be challenging; initial consultation fees may apply.