The Truth About Mortgages, Usury, and How Hadith Keeps Us Locked in Financial Slavery

Surah An-Nisa and the Orphan’s Land

In Surah An-Nisa, Allah warns against stealing from orphans because it is one of the worst forms of oppression. Why? Because when a father does everything right—works hard, provides, secures a home for his children—then dies, and someone steals his legacy, they are not just taking land. They are destroying the foundation that was supposed to protect the orphan’s future.

This is why the Qur’an emphasizes ownership. A Muslim man is supposed to secure a home for his family so that his children inherit stability. When you deprive someone of homeownership, you force them into a system where they will struggle for generations—renting, paying landlords, and being financially dependent on a system designed to keep them down.

This is why the goal of every Muslim man should be to own a home. Ideally, we would buy it in cash, avoiding banks and their oppressive system entirely. But realistically, most people can’t do that. So what are the options?

The Reality of Mortgages – How Money is Created

Most people do not understand how mortgages actually work. They think a bank gives you money to buy a house, and you just pay it back over time. That is not true.

When you take out a mortgage, the money doesn’t exist until you create the debt.

1. The bank borrows money from the Bank of England at, for example, 3.5% interest.
2. The bank sells that same money to you at 5.5% interest.
3. The difference (2%) is the bank’s profit.
4. That money was never real until you created the debt.
5. Now that the debt exists, the bank is guaranteed income for 25 years.

This is how banks enslave people through debt. The money never existed, but once you sign the mortgage, the bank now has 25 years of guaranteed profit from you.

Now compare this to renting.

How Renting Feeds the Riba System Twice

Hadith scholars tell Muslims, “Rent instead of taking a mortgage because mortgages involve riba.” But they do not understand finance. Renting is worse because it feeds the riba system twice.

1. Your landlord took a mortgage. He is already in the riba system.
2. You pay rent to your landlord, and he uses it to pay off his mortgage.
3. So you are now indirectly paying riba anyway.
4. But worse than that—your landlord charges you more than his mortgage.

For example, if your landlord’s mortgage payment is £1,000 per month, he charges you £1,300 in rent. That means:

• £1,000 goes to the bank (riba system).
• £300 goes straight into your landlord’s pocket.
• You will never own the house.
• Your landlord now owns an asset paid off with your money.

In 25 years, you will have paid more than £390,000 in rent. Your landlord will own a house and still have your money.

So how is renting better than taking a mortgage? Hadith scholars can’t answer this because they don’t understand banking.

Why Allah Forbade Consuming Riba, Not Participating in the System

The Qur’an forbids usury (riba), but it specifically mentions that the worst sin is consuming riba, not participating in transactions that involve it.

Why?

Because riba is about exploitation. The Qur’an defines riba as charging double or more for something over time (Qur’an 3:130).

1. If you borrow £100,000 and end up paying back £280,000, that is not riba.
2. But if you were charged £500,000 for a £100,000 loan, that is riba.
3. The Qur’an warns against wealthy people using interest to oppress the poor.

Now, compare this to renting:

• A £200,000 mortgage with 5% interest costs £350,000 over 25 years.
• But renting a home for £1,300 per month means you will pay £390,000 over 25 years and still own nothing.

So tell me—which one is the real oppression?

If the Qur’an only forbade consuming riba, but Hadith scholars say any involvement is haram, then why does the Qur’an make this distinction? Because Allah knows the financial system is unavoidable, but what He forbids is exploitation.

This is why renting is worse than owning. It creates a cycle where Muslims never build wealth, never own land, and keep paying rich people forever.

Why Hadith Supports Renting – A System Designed to Keep Us Down

Now let’s ask a serious question—why do Hadith scholars push renting instead of homeownership?

1. Who benefits from Muslims never owning homes?
2. Who profits when Muslims are stuck paying rent forever?
3. Who gets richer while we stay financially weak?

The answer is obvious—banks and landlords.

Hadith was written 200+ years after the Prophet ﷺ. By that time, powerful rulers and financial elites controlled Islam. They needed Muslims to stay poor and dependent so that the wealthy could stay in control.

• The West relies on Muslims renting.
• The government relies on Muslims paying housing associations.
• Zionist banks rely on Muslims feeding the debt system.

And Hadith is used to justify all of this.

Shaitan knew centuries ago how to trap Muslims in this system. He didn’t have to destroy Islam—he just had to convince Muslims to follow rules that would keep them poor forever.

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The Solution – Every Muslim Must Prioritize Buying a Home

The only way forward is for Muslims to break free from the rent trap and start building real wealth.

• If every Muslim man prioritized homeownership, we would own thousands of homes in the West within a generation.
• If we built generational wealth, our children wouldn’t have to struggle like we did.
• If we had financial independence, we wouldn’t be forced to work for people who hate Islam.
• If our wives had homes, they wouldn’t be pressured to work meaningless jobs just to survive.

This is why the Qur’an teaches us justice and fairness. The Qur’an teaches us to own property, provide for our families, and leave wealth behind.

Hadith scholars teach the opposite—stay poor, keep renting, and keep feeding the riba system.

This is the real war. The system is designed to keep us weak and Shaitan has already convinced many Muslims to accept it.

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Final Thought – What If We Actually Followed the Qur’an?

Imagine if every Muslim man followed Qur’anic law instead of Hadith:

• Before getting married, he would secure a home.
• Muslim families would own entire neighborhoods.
• Muslims wouldn’t be financially controlled by non-Muslims.
• Our wives would have the freedom to choose work, not be forced into it.
• Our children would inherit stability, not struggle.

This is exactly why Hadith was introduced—to prevent this from happening.

And this is why we must reject man-made rules and return to the Qur’an’s wisdom.

Islam is about justice. Hadith is about control.

Choose wisely.