Scott v Southern Pacific Mortgages & Others [2014] UKSC 52
https://www.supremecourt.uk/decided-cases/docs/UKSC_2012_0102_Judgment.pdf
This judgement confirms that you cannot pledge something which is not yours.
See 
which confirms that you will only have the freehold and then you give a disposition (mortgage) over the property
link to KNOWLEDGEBASE
Many people think that a “mortgage” is a loan of money to buy their house.
This is the problem with presumptions.
Terminology is everything.
A “Hoover” is a tradename for a vacuum cleaner, therefore not all vacuum cleaners are “Hoovers”.
What is a Loan?
A “Loan” is normally one of 2 things.
1) Something you do or supply for free, normally to a friend who will return the thing,money or the favour.
2)The other is a commercial activity where the “Loan” has conditions attached, normally a contract and where you pay a commercial rate for the provision of a “Loan”
A Loan could be described as the particular loss of an asset for a period of time until it is returned, with or without any commercial rates attached.
For a Loan to have taken place therefore:
The amount “Loaned” MUST cause a deficit in the accounting of the “LENDER”
If this simple transaction does not occur it therefore cannot be classified as a “LOAN”
Hello and Welcome to VOIDMORTGAGE.
Since January 2012 we have been saving links articles case law statute contracts and agreements from all manner of places all to do with “MORTGAGE” related issues.
We have also made contact with numerous people who have had the misfortune of having been dragged through the courts with the eventual outcome of losing their family homes.
To this end we are going to list as much info as possible to show that a “MORTGAGE” is not what you think it means and that fraud and collusion with many parties is involved in the act of theft of that home.
People know there are lots of things wrong in the world and the VOIDMORTGAGE is one of the biggest.
Be careful though as a group of people registered this copyright phrase months and months after we did over a number of different domain endings and have nothing to do with us at all.
We will list those domains to make sure you know who you really are getting your information from.
To this end we are now making steps to correct this situation.
They try and charge for information, so be very aware.
We are the copyright holder of the original phrase and will not be charging anything, ever.
This original idea for the formulation of a new phrase is now being used by others.
This is what is known as “Passing Off”. We also believe that they are damaging our goodwill.
We will however accept any small donations for the upkeep of the webhosting space.
A contact point will be made available soon after the site has been substantially refurbished.
#VOIDMORTGAGE