The legislation for that covers all heritable securities and states that a person who has a debt or a property as security—the debtor on a security—has the right to redeem that security come year 20, as long as they pay what they originally borrowed plus the interest less what they have already paid.For a conventional security, that works perfectly normally—I am sure that my bank would be perfectly happy if I wanted to pay off my security in year 20—but it does not work properly for shared equity, where the loan is advanced on the basis that the recovery will not be through on-going interest but will be linked to the value of the property in a number of years.