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The act of preventing a borrower from redeeming a loan early is called Clogging the equity of redemption. Though it is possible for a lender to impose charges for early redemption, it is a common law right of any mortgagor to be able to redeem a loan at any time.
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Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.