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welcome to our sessions I am Jennifer housing in this law session a land law we will be considering mortgages mortgages is one of the more easier topics to grasp as opposed to say lease or covenants or for your covenants but nevertheless mortgages is not terribly difficult because most people will have some idea of what it is I'm talking about so without further ado let's try and see how we will wade through the topic itself well if we start off first of all with how do we get to this whole idea of mortgages well when you consider the cost of buying property today very few people not unless you're extremely wealthy perhaps very few people can afford to buy a house outright so most people will have to seek help by borrowing the money to purchase their home or land and this is commonly done by we have obtaining a loan or a mortgage from a bank or building a society which is then secured against the land in case the borrower becomes unable to repay the money's now before we start into th...