In British Columbia, a lender who holds a mortgage registered as a charge on an otherwise clear title to a borrower's land has:
a) The equitable right to redeem the mortgage.
b) An interest in land created by contract.
c) Priority over every other subsequent creditor and lienholder in respect of the mortgaged land.
d) The right to retain the mortgagor's duplicate certificate of title to the mortgaged land until the loan is repaid in full.