What is the ratio in Cityland and Property (Holdings) Ltd v Dabrah?

Courts can provide equitable relief against unconscionable mortgage terms that impose unreasonable burdens, even where they do not constitute technical penalty clauses.

What did the court decide in Cityland and Property (Holdings) Ltd v Dabrah?

The court struck down excessive interest terms as unconscionable and reduced the rate from 19% to 7% per annum as being fair and reasonable.

Why is Cityland and Property (Holdings) Ltd v Dabrah important for mortgage law?

It extends equitable protection for borrowers beyond traditional penalties to cover unconscionable terms generally, demonstrating courts' protective jurisdiction over mortgage relationships.

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