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Where property is owned and occupied by more than one person, with each person's share being specifically defined, the joint owners share 'Tenancy in common'. They do not have undivided possession, but several freeholds. The share of a deceased person does NOT pass to the surviving joint owners, but to the deceased persons estate.
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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.