It is permissible to mortgage an animal used for riding or milking.
Darussalam · Volume 3
48 - THE BOOK OF MORTGAGINGIN PLACES OCCUPIED BY SETTLEDPOPULATION (TOWNS, CITIES, ETC.)Sahih al-Bukhari Darussalam English translation
الحديث: 2512 ¦ الجزء: 3 ¦ الصفحة: 143
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2512. Narrated Abū Hurairah رضي الله عنه: Allāh's Messenger ﷺ said, "The mortgaged animal can be used for riding as long as it is fed; and the milk of the milch animal can be drunk according to what one spends on it. The one who rides the animal or drinks its milk should provide the expenditures."
2512 - حَدَّثَنَا مُحَمَّدُ بْنُ مُقَاتِلٍ، أَخْبَرَنَا عَبْدُ اللَّهِ، أَخْبَرَنَا زَكَرِيَّاءُ، عَنِ الشَّعْبِيِّ، عَنْ أَبِي هُرَيْرَةَ رَضِيَ اللَّهُ عَنْهُ، قَالَ: قَالَ رَسُولُ اللَّهِ صَلَّى اللهُ عَلَيْهِ وَسَلَّمَ: «الرَّهْنُ يُرْكَبُ بِنَفَقَتِهِ، إِذَا كَانَ مَرْهُونًا، وَلَبَنُ الدَّرِّ يُشْرَبُ بِنَفَقَتِهِ، إِذَا كَانَ مَرْهُونًا، وَعَلَى الَّذِي يَرْكَبُ وَيَشْرَبُ النَّفَقَةُ»
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