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The Law of Property Act 1925 (mainly applicable only to England and Wales) specifies the many powers of mortgage lenders that become available once the Legal date of redemption has passed. This date is therefore set by lenders to be shortly after the mortgage is completed so that these powers can be invoked.
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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.