Mortgage is interest which is absolutely xaraan, prepare to go to war with Allah and his Messenger SAW
Tekniko
But welfare as tax collectd from riba earning businesses, alcohol manufacturers and sellers, casinos and gambling dens, brothels, strip joints, prostitutes and production houses is halal, but buying a house your family desperately needs to live so you could move away your children from the ghetto areas in is haram because you are paying interest rates you could afford. Logical?