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Yes you can continue to pay Khums each year despite having a mortgage and adjust the monthly mortgage amount as expenses.

Wassalam.

Khums is not our money like what we give in charity, but it is the money of others which must be given back by us to them. Half of Khums is called Sahm e Sadat and the other half is called Sahm e Imam (AS).

If your aunt is a poor Sayyed, many of our Marja’s say that poor Sayyeda can be given from the share of Sadat from Khums ; Sahm e Sadat.

If your aunt is not Sayyed, you need to seek permission from the Marja’ of Taqleed. You can easily contact the Marja’ via email or his office website.

Wassalam.

Salaam Allaikum,

The rulings of the marajah can differ on this, but in general, the majority allow you to give the Sahme Sadat to Seyeds (with some conditions) who don't have enough money to meet their expenses...

Double check with your specific marja first- these rulings can be found in the Risalah in the section under Khums...

Sahm e Sadat is the right of poor Sadat who are pious and practicing religion and do not have enough money or income to meet their livelihood expenses. 

If the poor Sayyed is in need for marriage expenses, and has no income which can be enough for such expenses, then it will be allowed to give him from Sahm e Sadat.

Wassalam.