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按揭在英国法中具有悠久的历史,中世纪法学家围绕如何保护按揭权人的利益展开制度建构,最终形成了权利转移型担保的经典模式。近现代以来伴随着衡平法的兴起和高利贷禁令的解除,按揭除去了对按揭人的严酷色彩和规避高利贷禁令的功能,只保留债务担保的功用,按揭权因而具有了价值权的属性,其实现程序也相应地发生了变革,设立方式特别是衡平法按揭的设立趋于经济和灵活。2002年英国《土地登记法》颁布之后,按揭与大陆法系中的抵押趋同。
The mortgage has a long history in the English law. Medieval jurists started the system construction about how to protect the interests of the mortgagee and eventually formed the classic model of rights transfer guarantee. Since modern times, along with the rise of equity and the lifting of bailout of usury, the mortgage has removed the harshness of the mortgagor and the function of banning usury ban. Only retaining the function of debt guarantee, the right of mortgage has the property of value. Procedures have also been changed accordingly, the establishment of methods, especially the establishment of equitable mortgage tends to be economical and flexible. After the promulgation of the UK Land Registration Law in 2002, the mortgage and the mortgage in the continental legal system converged.