Toronto: Special banking favors for Muslims only — if you convert, your interest rates drop to 0%


Zero Mortgage Halal Financing: it’s a great deal, with interest rates on mortgages, loans and credit cards lower then any bank. 2.9% on all three. But it is not offered to just anyone. You have to be a practicing Muslim to get in on the deal.

To qualify, you have to be sponsored, speak to the local imam, and if you’re a kaffir and convert to Islam on the spot, your interest rates drop to 0% — which strongly encourages conversion to Islam.

Another stipulation is that it is forbidden to make money off of these loans. It has been set up that any interest accrued or penalty fees are donated to a “charity of their choice.” That money is certainly donated to an Islamic charity, many of which have been shut down for financing jihad terror.

Muslims are using our current financial systems against us, with eager help from short-sighted financial institutions.

This is the actual email they send to potential “clients.” There is a lot of information contained here, as well as links to various websites that give revealing additional information surrounding mortgages, cash loans and credit cards.

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Greetings from Zero Mortgage

We appreciate you contacting our group. For next steps you can either contact Zero to answer any Halal Questions (please review top 10 reasons and information on our website and email) or fill out the application form HERE (Click)  to get your approval process started. Further details are listed in our newsletter at the end of this email.

For clients who have a closing date or are transferring please review the attached checklist of items and fill out this form: http://www.zeroglobal.bi z/files/3014/9460/6795/TC_-_Bl ank_Mortgage_Application_with_ Zero_Tel.pdf

Fee free to contact us at anytime to help you with the process.

Zero Mortgage Canada

330 Bay St. Suite 1400
Toronto, ON M5H 2S8
www.zerog lobal.biz

416 777 ZERO (9376)

844 677 ZERO (9376) (Toll free)


December Newsletter

Greetings from Zero Mortgage,


Zero Mortgage partners with Wakala Mortgage
With limited financial institutions in Canada who have agreed to the halal terms set out by our Shariah board, we have set up a referral arrangement with Wakala Mortgage to give options to clients who do not qualify for our 100% Halal Zero product. The Wakala Mortgage product is a temporary option until a client can rejoin our 100% Halal Zero Product. Various scholars and community leaders have endorsed this endeavor and we encourage homeowners who do not qualify for Zero Mortgage for various reason to visit WakalaMortgage.com. Wakala Mortgage will be able to handle clients across Canada including Quebec, Fort McMurray and more. They will also be able to handle clients with properties over $1 million, self-employed and people with income overseas.
Zero hires a full-time Canadian Imam to answer all Halal questions
Sh. Nabil Khan (Chief Halal Officer – Interim) Nabil Khan Graduated from Al-Ihsan institute in Vancouver studying Classical text and in-depth Quran analysis under a senior teacher. He is a qualified Islamic Scholar. He has traveled overseas for part of his Islamic studies to Bury, UK. He has studied and remains in contact with many senior scholars. He was born in Vancouver, British Colombia before moving to Edmonton, Alberta wherein he lived for 10 years prior to returning to Vancouver. After completing his high school education he has been studying Islam and familiarizing himself with the Canadian banking and real estate industry.  He is currently enrolled in courses to further educate himself in these areas. He has been monitoring the growth of Islamic finance in Canada and met many organization and individuals. He is currently a teacher at a school in British Columbia and Imam for British Columbia Muslim Association (BCMA).
“This year I joined the Zero Team and have been answering questions from clients across Canada. In Islam, we are told we have a solution for all issues and for home financing in joining Zero I believe we have the best solution. We provide our community products and services where we do not have any extra fee. Our products are 100% halal as confirmed via fatwas by leading experts in the industry. I look forward to interacting with the community and welcome any Masjid Committee or Imam to contact me directly. I recommend potential clients to read the various videos and articles available on our website or in email communication.”
Sh. Nabil Khan
You can reach Sh Nabil Khan during business hours Monday – Friday or book an appointment at https://zeromortgage.acuity scheduling.com.
Zero Mortgage Returns to RIS 
Come visit our Zero Team at Booth 1416. Visit www.RISConvention.com fo r more information. Preview our flyers that have been inserted into the Tote bags of attendees (click images to enlarge):
Zero Mortgage has expanded to Vancouver
Vancouver and vicinity clients can call 604 355 3925 directly.

Zero Mortgage New Videos and Messages

To see the Ramadan Message of Dr. Mufti Muhammad Zubair Usmani (May 2017) please click here: https://www.youtube.com/ watch?v=txjv7ktWixY

To see endorsement of Dr. Mufti Muhammad Zubair Usmani of Zero Mortgage Canada (May 2017), please click here: https://www.youtube.com/ watch?v=exx8EoNRj10

To hear endorsement and Top Ten reasons for using Zero Mortgag by Mufti Ismail Desai, Zero Chief Halal Officer (May 2017), please click here: https://www.youtube.com/ watch?v=wyfFR46XYnE

Zero affiliated Scholars travel to Canada

Dr. Mufti Muhammad Zubair Usmani who is a signatory to the original fatwas has also joined our external Shariah Ethics Board as a Shariah Ethics Advisor. Dr. Aznan Hassan our retained Shariah auditor has agreed to travel to Canada this year along with Zero Chief Halal Officer Mufti Ismail Desai. We will be announcing public events shortly. Our team met with Dr. Mufti Muhammad Zubair Usmani overseas who signed advisor employment contracts with Zero Mortgage. Please review his videos for more information. Zero Mortgage follows the international standards of Shariah standards as set by the organization AAOIFI where 3 senior independent scholars signed our fatwa of which two must be senior and sit on other institutions. Institutions are also required to have Fatwa public on a website and perform an annual Shariah Audit. At present Zero Mortgage is the only Halal Financial company in Canada that adheres to these criteria.

First step is to obtain a Pre Qualification Letter from Zero

Zero now offers a Pre-Qualification letter through a licensed brokerage to show the maximum financing you can obtain. To receive a Pre-qualification Letter from Zero Mortgage, please fill out this online form:
https://docs.google.com/forms/ d/e/1FAIpQLSe5SDsGWZ2UthWFpvvX d5hI9wQ2TSt0JPhLugiYvAILR9rdPg /viewform?c=0&w=1In a few days we will email you back with a letter stating maximum financing eligibility. We will also share further details about the financing. Please note that we will NOT pull a credit bureau report at this stage. You can share this letter with one of our Zero referred real estate agents or another agent of your choice to start looking for a home. You can also use this letter to book a new home.
3 Branch Information Offices in Toronto
Visit Zero Toronto Area offices in Mississauga, Scarborough and Downtown (by appointment only). Clients are required to have a pre qualification letter processed prior to booking an appointment. Please see above. To book an appointment or skype appointment please click: https://zeromortgage.ac uityscheduling.com/schedule.ph pLocated at:
MISSISSAUGA: 2425 Matheson Blvd E Suite 793, Mississauga, ON L4W 5K4.
Click Here for Map
SCARBOROUGH: 251 Consumers Rd Suite 1250, Toronto, ON M2J 1R3
Click Here for Map
DOWNTOWN: 330 Bay St. Suite 1400, Toronto, ON M5H 2S8
Click here for Map
New Articles and Letters
Zero Mortgage asks clients to review these documents. New documents is Top 10 List article by Mufti Ismail Desai and a letter for clients who currently have a bank mortgage to provide to ones bank to waive any penalty fee for transferring to Zero Mortgage.
Quick Links:
1. Certification by Scholars
2. Zero Halal FAQ
3. Zero Top 10 Reasons (NEW)
4. Letter by Partner/Funders
5. Letter to give Bank Manager to waive Penalty/Breakage (NEW)
6. Download Application form

Zero launches New Video explaining the Halal Mortgage Product (Click on Image below)

Are you currently a tenant? Do you want to stop paying rent? Do you want to buy a home but need more qualified financing?
Then let us help you take a step towards home ownership.
Two families in Toronto make $60,000 each and are not qualified to acquire a reasonable mortgage separately. But together, the combined income of $120,000 helps them get a sufficient mortgage to buy a house.
They become co-owners for a set period and this setup eventually helps both of them become separate home-owners.
What does Two Home Owners do?
We match up potential home owners based upon various factors to ensure compatibility in this housing arrangement, so that the two families may save money on rent and put money towards financing their own property.
• The two-partner purchase program allows both parties to buy a house and share initial costs.
• Money is not being wasted on rent payments and is instead invested in a house.
• Have a bigger down payment for next owner to buy his home
Visit us at: www.twohomeowners.com

Zero Real Estate Referral Agents across Canada
Zero Real Estate Referral Agents can help you purchase your new home. We offer up to $10,000 in Gift Cards/Discounts from the BRICK (furniture stores) if you use these real estate agents. To have a real estate agent contact you and for more information please contact info@zeromortgage.ca. (other real estate agents across Canada are welcome to join)

Zero Umrah Raffle Winner announced

Akram Bouallagui of Brampton Ontario is our Umrah Raffle Ticket winner. Inshallah pictures and a story will be shared in the future. We thank the thousands of Raffle submissions.
New Immigrant Financing
With our partner funder, we now have a new immigrant financing program where credit scores are not required. If you have arrived in the last 3 years please contact us for details.

Household Income Level to Maximum Financing Amount
(assuming no debt and income is reflective on tax returns)

Annual      Financing 
Income     Amount
$38,326     $190,000
$56,656     $285,000
$74,986     $380,000
$93,316     $475,000
$111,645    $570,000
$129,975    $665,000
$148,305    $760,000

For Details please click here

Sh Omar Rahman of Zero named part of ISLAMICA 500 Islamic Economy Leaders

On October 10 2016 in Dubai ISLAMICA 500 announced its list of Top 500. Sh Omar Rahman of Zero was selected by the independent award. “The ISLAMICA 500 is a premier independent instrument to assess the momentum of the Islamic economy. The global leaders recognized in the ISLAMICA 500 witness a variety of profiles and industries showing the diversity of the achievements made at a global scale, beyond gender, nationality, religion, sectors.”
Profile page of Omar Rahman from ISLAMICA 500

Zero Mortgage is looking to Hire 

Zero Mortgage Canada is looking to hire qualified individuals for various positions in Toronto. The ideal candidates would have good communication skills to explain the halal nature of our products and willing to learn more about the Canadian mortgage market. If you would like to join our team, and have the skills and ideas to help us, please e-mail us your resume at info@zeromortgage.ca

Please forward this newsletter to your family and friends to start living Halalwith peace of mind (sakinah) and blessings (baraka).

Zero Mortgage Canada
330 Bay St. Suite 1400
Toronto, ON M5H 2S8
www.zeromortgage.ca (Fatwas can be viewed at www.zeroglobal.biz)
Skype: zero.mortgage (Online W ebchat on our Website)
416 777 ZERO (9376)
1 844 677 ZERO (9376)


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