I recently have remortgaged my house of approximately £100,000. The loan was to repair my house and go to Hajj. At the time, I had £25,000 left (over one year) before I went for Hajj.

Do I have to pay Khums on the £25,000 (£5000 is 1/5th) as my mortgage loan is over £100,000?

Secondly, do I pay Khums on any of the leftover remortgaged money?

Please read this carefully as it explain how to calculate the khums based on the new ruling