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Are Halal Mortgages Permissible

Answered as per Hanafi Fiqh by DarulIftaBirmingham

Answered by: Mufti Eunus Ali


Assalamu Alaikum,

I just want clarification that halal mortgage is permissible, as I live with my parents and have a child and another on the way Insha Allah. My wife is working as she wants to save up enough for a deposit, but I don’t want her to work, as I believe we should rent but she says that is not an option.  This makes me feel upset and angry and causes me to commit wrong by going in chat rooms with no intention to do wrong but just take my mind elsewhere. I want to know what I can do to stop this habit as it is affecting my marriage as well. Jazak Allah Khair

بسم الله الرحمن الرحيم

In the name of Allah, the Most Gracious, the Most Merciful.


As for the permissibility of the ‘halal mortgage’ please refer to the following link:


If your wife is looking to apply for a conventional mortgage which is contrary to the Shariah, then the sin and the detrimental effect of it should be explained to her in an easy and simple way to understand with kindness. Expressing your feelings to her about the conventional mortgage will bring to her attention how worried and distressing this is for you.

As for participating in chat rooms that lead to committing sins and disobedience, practical steps should be taken to put a stop to. Some practical steps that can be taken are:

  1. Adopting the company of the pious and learned.
  2. Avoid being alone for long periods of time.
  3. Placing the laptop/computer in a public place in the house which is visible to all to see.
  4. Occupying yourself in other works to keep you distracted and away from these chat rooms.

Equally, seek Allah’s help and assistance from falling into sinful activities.

Only Allah knows best

Written by Mufti Eunus Ali

Checked and approved by Mufti Mohammed Tosir Miah

Darul Ifta Birmingham

This answer was collected from DarulIftaBirmingham.co.uk, which is run under the supervision of Mufti Mohammed Tosir Miah from the United Kingdom.

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