This is a repository copy of Mortgages, fixtures, fittings and security over personal property. White Rose Research Online URL for this paper: https://eprints.whiterose.ac.uk/151797/ Version: Accepted Version Article: Thomas, Sean Rhys (2015) Mortgages, fixtures, fittings and security over personal property. Northern Ireland Legal Quarterly. pp. 343-365. ISSN 0029-3105 Reuse Items deposited in White Rose Research Online are protected by copyright, with all rights reserved unless indicated otherwise. They may be downloaded and/or printed for private study, or other acts as permitted by national copyright laws. The publisher or other rights holders may allow further reproduction and re-use of the full text version. This is indicated by the licence information on the White Rose Research Online record for the item. Takedown If you consider content in White Rose Research Online to be in breach of UK law, please notify us by emailing
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[email protected] https://eprints.whiterose.ac.uk/ MORTGAGES, FIXTURES, FITTINGS, AND SECURITY OVER PERSONAL PROPERTY Dr Sean Thomas* A. Introduction A mortgage is merely a disposition of an interest in property as security for a loan.1 This creates a deceptively simple problem: where to draw the line between providing protection for mortgagees and mortgagors of residential property?2 In the event of a breach of the mortgage agreement (usually due to default in repayment), the remedies of repossession and sale