Can You Give Me Any Solutions After Entering a Contractually Obliged Conventional Mortgage?

Answered by Mawlana Ilyas Patel


I entered into a conventional mortgage and am now contractually obliged with the bank for the next five years before I can exercise the option to switch to an Islamic Mortgage. Eight months in, I now profoundly regret this decision, and I wanted to ask which of the following options shall I choose or please suggest an alternative:

  • As well as paying the monthly installments, which unfortunately include interest, pay as much as possible in ‘overpayments’ every month, which is interest-free and reduces the overall balance, to reduce the amount as much as possible.
  • Sell the property immediately at a profit or a loss?

Jazakallah Khayr,


In the Name of Allah, the Most Merciful and Compassionate

I pray you are in good faith and health. Thank you for your question about repaying your mortgage and seeking a solution.

Scholars advise those who have been contractually obliged with the bank for a few years to prioritize everything to repay their mortgage with overpayments and lump sum from one’s wage and possibly taking out private loans if possible. Also, continue to repent and seek forgiveness for committing to this interest-bearing contract.

Private Loans from Family and Friends

If you have a big family and group of friends, take out small long-term loans and purchase the house in full if it is possible for you. After that, you will pay everyone you owe over time. By pooling money together, many families and friends can help each other acquire a house this way.

Allah Most High, make it easy for you to repay your outstanding mortgage and find ways to repay it as soon as possible, main.

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[Mawlana] Ilyas Patel
Checked and Approved by Shaykh Faraz Rabbani

Mawlana Ilyas Patel is a traditionally-trained scholar who has studied in the UK, India, Pakistan, Syria, Jordan, and Turkey. He started his early education in the UK. He went on to complete the hifz of the Quran in India, then enrolled in an Islamic seminary in the UK, where he studied the secular and ‘Aalimiyya sciences. He then traveled to Karachi, Pakistan. He has been an Imam in Rep of Ireland for several years. He has taught hifz of the Quran, Tajwid, Fiqh, and many other Islamic sciences to children and adults onsite and online extensively in the UK and Ireland. He taught at a local Islamic seminary for 12 years in the UK, where he was a librarian and a teacher of Islamic sciences. He currently resides in the UK with his wife. His interest is a love of books and gardening.