1830 - John Hopcraft takes a mortgage

After owning Winmour Cottage for seven years John Hopcraft decided to borrow £100 using Winmour cottage as security. He negotiated a mortgage from William Rose and George Rogers, Trustees under the will of Eleanor George of Steeple Aston.  Money from her estate was used to provide the mortgage for John.

Click here to see a full transcript of the mortgage deed as a PDF.

Summary of the Mortgage deed.

Dated 29th June 1830

THS INDENTURE made the twenty ninth day of June in the year of our Lord one thousand eight hundred and thirty BETWEEN JOHN HOPCRAFT of Deddington in the County of Oxford Mason of the one part and WILLIAM ROSE of Deddington  aforesaid Joiner and GEORGE ROGERS of Steeple Aston in the said County of Oxford Blacksmith of the other part

WITNESSETH that for and in consideration of the sum of one hundred pounds of lawful money of Great Britain….(which said sum of one hundred pounds is part of a sum of money vested in…William Rose and George Rogers trustees under the will and testament of Eleanor George late of Steeple Aston aforesaid spinster deceased)…
 
John Hopcraft …Doth grant bargain sell and demise unto…William Rose and George Rogers…ALL THAT Messuage Cottage or Tenement with the outbuildings yard garden and other the appurtenances thereto belonging situate standing and being in Philcock Street in Deddington….heretofore in the several occupations of John Bennett and Mary Williams since of Benjamin Harris William Wilkins and Ann Cleaver and now in the tenure or occupation of the said John Hopcraft

a messuage or tenement late in the tenure or occupation of Ann Knibbs widow and now of  [blank]  Jarrett being next on the south side thereof and a messuage or tenement formerly in the occupation of Sarah Brommidge and Elizabeth Trinder and now of John Calcott being next on the north side thereof

which said messuage…were bought and purchased by the said John Hopcraft of and from Hannah Turner widow

TO HAVE AND TO HOLD the said messuage…unto the said William Rose and George Roger… unto the full end and term of one thousand years thence next ensuing and fully to be compleat and ended
YIELDING AND PAYING therefore yearly and every year during the said term unto the said John Hopcraft…the rent of one pepper corn at the feast of Saint Michael the Archangel if the same shall be lawfully demanded

PROVIDED ALWAYS…that if …John Hopcraft his heirs administrators or assigns do and shall… pay…unto the said William Rose and George Rogers….the full sum of one hundred pounds…with interest for the same…after the rate of five pounds for one hundred pounds for a year at or upon the twenty ninth day of December next…without any deduction or abatement whatsoever for taxes or otherwise  then…..every grant article matter and thing herein contained shall cease determine and be absolutely void to all intents and purposes whatsoever

AND the said John Hopcraft doth….covenant promise grant and agree with and to the said William Rose and George Rogers….That he the said John Hopcraft shall and will….pay….unto the said William Rose
and George Rogers…..the full sum of one hundred pounds…with interest for the same

AND ALSO that in case default…it shall and may be lawful to and for the said William Rose and George Rogers ….at any time or times thereafter peaceably and quietly to enter into and upon have hold occupy possess and enjoy…the said messuage….without any manner of let suit trouble molestation eviction ejection claim demand or disturbance whatsoever of from or by the said John Hopcraft his heirs executors administrators or assigns or any other person or persons….

AND it is hereby declared and agreed by and between the said parties…that until default shall be made in payment of the said sum of one hundred pounds or the interest thereof…contrary to the proviso and covenant herein before contained it shall and may be lawful for the said John Hopcraft…to hold and enjoy the said messuage ….without the lawful let or interruption of the said William Rose and George Rogers…

AND LASTLY the said John Hopcraft doth hereby…covenant promise and agree with and to the said William Rose and George Rogers…..that he the said John Hopcraft….shall and will forthwith Insure or cause to be insured in the Globe Insurance Fire Office or in some other office in London or Westminster for insurance of buildings against fire all the said messuage…from loss or damage by fire in the sum of eighty pounds at the least in the joint names of the said William Rose and George Rogers and John Hopcraft….and shall and will keep the same so insured as long as the said sum of one hundred pounds or any part thereof shall remain owing upon this present security 

And that incase the said John Hopcraft…shall neglect or refuse to make and continue such insurance it shall be lawful for the said William Rose and George Rogers…to make effect and continue the same and whatever sum or sums of money they shall advance or pay on that account shall be charged and  chargeable on the said hereditaments…and be repaid to them 

AND it is hereby agreed and declared between and by the said parties to these presents that in case the said messuage…or any part thereof shall be burnt down destroyed or damaged by fire then all monies which shall be recovered or received by virtue of such insurance as aforesaid shall be either expended in the rebuilding or repairing the said messuage…the said William Rose and George Rogers…shall and may at their option have and take the monies so to be recovered or received and apply the same or so much thereof as shall be necessary in discharge or part discharge of the said sum of one hundred pounds and the interest thereof for all which purposes the said John Hopcraft doth hereby make and ordain the said William Rose and George Rogers…his true and lawful attornies

IN WITNESS whereof the said parties to these presents have hereunto set their hands and seals the day and year first above written

John Hopcraft  [signature]

Signed sealed and delivered by the within named John Hopcraft
in the presence of
Samuel Field junr   Deddington [signature]

Received the day and year first within written of and from the within
named William Rose and George Rogers the sum of one hundred pounds
being the consideration money within mentioned to be paid by them to me

John Hopcraft [signature]

Witness
Samuel Field junr.  [signature]