Dear Sheikh Dr. Sajid Umar, ‎ اَلسَّلاَ مُ عَلَيْكُمْ وَرَحْمَةُ اللهِ وَبَرَكَا تُهُ I hope this message finds you well. I am seeking guidance regarding halal mortgages available in the UK, as I wish to ensure that any home financing I pursue is fully compliant with Islamic principles and avoids riba. Could you kindly advise on which companies or financial institutions you consider trustworthy and in accordance with Shariah for halal home financing? Any guidance or recommendations you can provide would be greatly appreciated. JazakAllahu Khair for your time and assistance.

Inquiry Regarding the Permissibility of Day Trading and Scalping in Islamic Finance Dear Sheikh Sajib Umar I hope this message finds you well. I am writing to seek your esteemed guidance on a matter related to day trading and its compliance with Islamic finance principles. I have been engaged in trading for several years, primarily focusing on technical analysis and short-term strategies such as scalping, often within very short time frames (like one-minute or five-minute charts). My trading is conducted through proprietary firms using demo accounts, so no personal capital is at risk. My specific questions are: Is such short-term trading, often referred to as scalping, considered permissible in Islamic finance? Does the use of demo accounts in proprietary trading affect the permissibility of the practice? I would greatly appreciate your insights on these questions to ensure that my trading activities are fully compliant with Sharia principles. Thank you very much for your time and consideration. I look forward to your guidance. Warm regards, Walid Sultani

Assalaamu a'laikum Sheikh, In sh'aAllaah you're well. I am a single mother to one daughter (divorced from her father around 15yrs ago). We're in Australia and we have no relatives near or extended anyone here. I only have an old father back home who is retired now and no brothers. My daughter's father or his side has never been in contact, so basically my daughter has no one. I earn an average income and plan to buy a small house for us to live in and also leaving a roof for my daughter if Im not alive tomorrrow so she doesnt have to struggle. There are limited islamic finance options here and they offer higher rate. My question is: - Given my circumstances, can i take a home finance from a commercial bank (i only intend to buy one apartment for our residence). The islamic finance houses require larger deposit and have higher profit/interest rate and stricter eligibility requirements. - Can i take a life insurance policy with minimum amount just so my daughter has some money to cover for her studies and living exepnses till she starts earning on her own, if im not alive tomorrow? INtention is not to become rich or accumlate welath but to cover basic needs for my daughter. Jazak Allaahu Khair!

Assalamu alaikum Sheikh Sajid. I'm an 18 year old brother that is set to start University Insha Allah. I won't be applying for a student loan for tuition fees. However in order to receive grants and bursaries from the university, which do not need to be repaid back and have no interest, I need to be means checked e.g the University needs to see my household income to see if I am eligible for grants and bursaries. To be means checked I need to apply for a maintenance loan with £0.00. I am not taking any loan from the government and am only applying for a maintenance loan in order to be mean checked. The maintenance loan application at £0 may mention interest payment in the contract, I'm not sure. Is it halal for me to apply for a maintenance loan with £0 in order to be means checked and qualified for bursaries and grants?

Assalamu alaykum, I am a software developer currently in the recruitment process. The company generally has projects that are halal, but they are offering me a project with an insurance company, working on insurance management software from client to user. This project has been running for five years and will likely continue for a longer period. Are all projects with insurance companies considered haram, or are some permissible? What questions should I ask to determine whether this project is allowed or not?

Assalamu ʿalaykum Shaykh. I’m considering paying a Muslim influencer who became famous through MMA to promote a halal product on Instagram. The video would be on his account, and he would speak positively about the brand. Is it permissible to partner with him for this, knowing his fame came from MMA? And if I sponsor a YouTube video with an influencer and I’m only responsible for a 90-second segment where the influencer promotes a brand in a halal way, am I sinful if the rest of the video contains music or haram content? Jazakum Allahu khayran.

We are expecting a child and are in financial difficulty. The cost of private medical care is extremely expensive and government hospitals are full. Can we opt for medical insurance?

What is the Ruling on receiving rewards banks give to their depositors for using their debit and credit cards?

I usually pay my zakaah in Ramadaan and am confused regarding the zakaah of my shares. ​

Assalaamu’alaikum ​Sheikh Sajid Umar. My family and I are really grateful for the Islamic guidance shared during your trips to Dubai. ​​Sheikh Sajid, a question I had is related to the discount booklets that are sold here. In fact there are actual apps that you can purchase that offer the same discount service. Basically the purchase affords you an opportunity to receive discounts from several shops, restaurants, hotels, theme parks etc. The discount booklet and app is sold for an amount (up to +/- 300​ ​​Dirhams​ at times, and affords discounts that allow you ​a saving, if used, of more than the purchase price. Is this permissible in the Shariah?

What is the ruling on participating in any of these transactions or in this business? And can one make promotional material for the company, for example website, applications, or tutorial videos about Traffic Monsoon? If there is any transaction that is impermissible, what should the Muslim who participated ignorantly do with the money he has earned through it? Please explain the reasoning behind any impermissible transaction, and if there is any way to make it compliant with Islamic law.

We always hear the common saying ‘wealth is evil’. Is a rich Muslim a bad thing?

I have land that I intend to sell, but only when the price of the land spikes which could only happen in a few years. Do I have to pay zakah on this land if I own it for a year?

Islamic Ruling on Receiving Referral Fees offered by Businesses as part of their Referral’s Program?

I have earned wealth in a questionable manner and have sought forgiveness from Allah. Do I have to give my wealth away as well?