Two New Toronto Branch Offices * Top 10 Article * Letter to waive breakage penalty * Three Event Sponsorship
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September 2016 Newsletter

Greetings from Zero Mortgage,
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)
Zero opens 3 Branch Information Offices in Toronto.
Two new branch offices are now available to meet with clients in Scarborough and Downtown. To book an appointment or skype appointment please click:
Located 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
Zero Sponsors and Supports Three community Events
KW Business Expo event.  Oct. 112 pm - 7 pm
Misreporting Muslims: Media, Islamophobia, and the forgotten Rohingya Event. Oct. 2.  6:30 pm - 11 pm.
Zero is a table sponsor. We invite you to join our Zero team for this event
Twins of Faith Conference at Metro Toronto Convention Centre. Oct. 89 am - 10 pm. Premium Booth Sponsor (C3)

Zero @ Muslimfest
Zero was a premier sponsor at this year's Muslimfest. Pictures at Muslimfest with Zero Team and Omar Algebra Liberal Member of Parliament.

Zero announces Mufti Ismail Ebrahim Desai as Chief Halal Officer
Zero announces Mufti Ismail Ebrahim Desai as Chief Shariah Officer. We plan to announce lectures in Canada by Mufti Ismail Ebrahim Desai in the near future. As a senior management he will also sign and execute the Musharakah contracts with clients. Mufti Ismail Ebrahim Desai is an internationally reputed Shariah scholar and Islamic finance expert who is a Shariah Advisor and member of Infinity’s Shariah Supervisory Board. He currently serves as Shariah Advisor to various Islamic financial institutions and educational institutes around the world including Ideal Ratings, Southern African Consultant, Ethica Institute of Islamic Finance, Centre for Advanced Islamic Economics, Jenuard Holdings AG, Al-Mabroor Investments besides other Islamic investment firms and real estate funds around the world. Mufti Ismail has developed various Shariah auditing, governance and risk management standards for Islamic financial institutions and has issued several hundred expert legal opinions (fatwas) with a special focus on Islamic finance and economics. Mufti Ismail holds a Master's in Islamic Finance and a Master's in Islamic Theology from the Institute of Islamic Jurisprudence, Durban, South Africa.
Please note that Mufti Ismail Ebrahim Desai will be coming in Sept 2016.  We encourage Imams and Community Leaders to email to schedule a meeting.
Zero Real Estate Referral Agents across Canada
Zero Real Estate Referral Agents can help you purchase your new home. We offer a cash back program of up to 25%. For example a $800,000 home purchase at 2.5% commission you would receive a 25% cash back equalling $5,000. To have a real estate agent contact you please contact

10 TNM Branches to Serve You When You are Ready! Obtain your Pre Qualification!
Zero Mortgage is proud to announce that True North Mortgage, across its 10 branches in Canada, can now directly service clients seeking Halal Financing. Pre-qualification can also be provided. Please contact True North Mortgage when you are ready to proceed with the application! Halal questions should be forwarded to Zero Mortgage.

Please visit or call either 416-504-8355 or 1-855-504-1855. A new introductory low rate is being offered that is cheaper than most Canadian bank rates. True North covers your appraisal and transfer cost (some conditions apply). When calling or filling the forms online please state that you are a Zero Mortgage client under "Mortgage Specialist Name". If there are any issues or you still need financing from another Zero Mortgage partner, please contact us. Please note that Zero Mortgage handles all HALAL QUESTIONS. You can book an appointment via SKYPE or IN PERSON or give us a call at the numbers below!

Please forward this newsletter to your family and friends to start living Halal with peace of mind (sakinah) and blessings (baraka).
Best regards, 

Zero Mortgage Canada
330 Bay St. Suite 1400
Toronto, ON M3B 3S6 (Fatwas can be viewed at
Skype: (Online Webchat on our Website)
416 777 ZERO (9376)
1 844 677 ZERO (9376)
Copyright © 2016 ZERO, All rights reserved.

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