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The deed of trust says
Vida Loans, “and all other outgoings” and therefore any other loan would come under all other outgoings.
If he is obliged to pay the mortgage equally with you under the deed of trust and he doesn’t, it doesn’t void the deed of trust per se but it does decrease his interest.
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I am not certain whether that answers the question for you or not, but I am happy to answer any specific points arising from this.
It will be my pleasure to help you again either further with this or any future questions you have
You said that it said “The mortgage in favour of Vida Loans and all other outgoings will be paid equally”
it doesn’t say that. There is no reference to “all other outgoings”
They shall bear the cost of all expenditure in respect of the Property and all monies under the Legal Charge (to Vida loans) in equal shares.
I think you could still argue that “the cost of all expenditure in respect of the Property” included any replacement mortgage.