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This is where two or more persons are both tenants on own land in common (i.e. it is impossible to point to one part of the property and say that belongs to one person rather than the other). An important feature of Joint tenancy is that on the death of one joint owner, the land passes to the survivors. This is called the `right of survivorship'.
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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.