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two of the most common types of mortgages that are drafted when you actually provide security by way of mortgage is a mortgage by deposit of title deeds and the second is an English mortgage a mortgage by deposit of title deeds often attracts a lower stamp duty the reason is that you do not have an instrument that effectuates the mortgage but you actually directly deliver the title deeds of the bank what people have started doing is they record the deposit through an instrument which is called a memorandum of entry provided that the instrument itself does not create the mortgage but it is just record of the fact that these deeds are deposited it works