mortgage - Master This Word
Master this word with our 5-step learning method – Learn English in English
mortgage Word Meanings
- a loan to buy a home
- a pledge of property to secure a debt
- to borrow money against property
mortgage Example Sentences
Example sentences are the start of understanding. Don't rush to memorize. First feel how the word works in a sentence.
mortgage Phonetic & Pronunciation
UK
/ˈmɔːɡɪdʒ/
US
/ˈmɔrɡɪdʒ/
mortgage Word Etymology
Root: mort- (dead) + gage (pledge). Origin: Latin → Old French → English. Memory image: Imagine a grave (mort) where the homeowner gives up a part of their property (gage) until the mortgage is paid off.
Note 1: These definitions and etymologies are not standard dictionary definitions, but extended explanations provided to help with memorization and understanding of the actual application of words. Through this background information, we strive to make words more vivid and easier to understand, and help you remember their meanings in real life.
Note 2: LexiTalk designs the learning flow around the linguistics principle of “Comprehensible Input.” When learners encounter material that is slightly above their level but still understandable from context, the brain naturally absorbs the language. That’s why we keep every word inside authentic contexts, using examples and associations to help you understand it and use it flexibly.
Read the FAQ explanation of Comprehensible InputEnglish Brain Route
I move the calendar on the wall, turning the page until a future date sits within reach. I push and pull the numbers in my budget, adjust the plan, keeping the idea of a home in sight. I hold this decision tight, a long promise that centers around the house. As the plan starts to move, I feel effort and control settle in my chest, and the choice begins to change how I live.
Real Context
Mortgage is a loan secured by real estate, most commonly used to buy a home. As a noun, it refers to the agreement itself or to the borrowed money that must be repaid with interest. As a verb, to mortgage something means to place property as security for a loan, or to borrow against it. Most mortgages require monthly payments that combine principal and interest, and often property taxes and insurance. Lenders usually evaluate credit history, income, and the home’s estimated value before approval. People discuss getting a mortgage, paying off a mortgage, or refinancing one when rates change. The term traces back to mortgage roots mort- and gage.
Usage Reminders
- - Stress the noun/verb distinction: mortgage as a loan vs. to mortgage a property
- - Use common verbs with mortgage: get, pay off, refinance
- - Remember it is secured by the home, not just any asset
- - Include related terms: interest, principal, escrow
- - Differentiate mortgage from other loans like personal or student loans
Common Misconceptions
- Mortgage is the same as a generic loan for any purpose.
- A mortgage means you own the house outright immediately.
- The word 'mortgage' implies sending money to dead people.
- You must always pay off a mortgage exactly on the due date.
- Refinancing is the same as paying off a mortgage completely
Thinking Differences
English tends to separate loan types clearly (mortgage vs personal loan) and emphasizes the security of real estate; learners often confuse 'mortgage' with generic loans or assume ownership happens instantly.
Learning Tips
- Learn the noun vs verb usage with simple sentences.
- Pair mortgage with home-related words (home, loan, payments).
- Use 'get/refinance/pay off a mortgage' to show actions.
- Note that mortgage is secured by property, not just any asset.
- Differentiate mortgage from personal loans or student loans.
- Practice common collocations with mortgage.
5-Step Learning Method - Learn English in English
Step 1: Meaning
What is the meaning of the word 'mortgage'?
A.A type of insurance policy
B.An agreement to rent a car
C.A loan to buy a house
D.A financial investment in stocks
Step 2: Usage
How is the word 'mortgage' used in a sentence?
A.They invested in a mortgage for retirement
B.She decided to mortgage her car for the money
C.He paid off his mortgage last month
D.The bank offered a mortgage for a new business
Step 3: Similar Words
Which of the following is a similar word to 'mortgage'?
A.Rent
B.Income
C.Estate
D.Loan
Step 4: Opposite Words
What is the opposite of 'mortgage'?
A.Debt-free
B.Lease
C.Foreclosure
D.Investment
Step 5: Mastery
In what real-life situation would someone consider getting a mortgage?
A.Starting a business
B.Purchasing a new car
C.Buying a home
D.Traveling around the world
Related Listening
🔥 Advanced
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