Mortgaged one

• One with a mortgage, e.g.
• He's mortgaged
• Homeowner, vis-a-vis the bank
• One with a claim against him
• One whose property is claimed legally
• Borrower on property
• One whose property is claimed, legally
• Subject of a property claim
• Person with a mortgage, e.g.

Wiktionary Word definitions in Wiktionary
n. (context legal English) One who has right of possession of goods but not right of property; the registered owner.