Mortgagee is in possession | Empty properties

Oldham Council Working for a co-operative borough

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5. Mortgagee is in possession

Where there is default on repayment of the loan, the mortgage deed usually provides for the mortgagee to take possession of the property, and the property may subsequently be sold to repay the outstanding loan.

If the property is still occupied when the mortgagee takes possession, the exemption does not commence until the occupants vacate the dwelling.