What Does Mortgage in Monopoly Mean : Mastering the Game Strategy




As an affiliate, we may earn a commission from qualifying purchases. We get commissions for purchases made through links on this website from Amazon and other third parties.

Understanding the Meaning of Mortgage in Monopoly

Monopoly is a popular board game that has entertained families and friends for many years. In the game, players buy and trade properties, build houses and hotels, and collect rent from their opponents. One important aspect of Monopoly is the concept of mortgage.

What is a Mortgage?

A mortgage in Monopoly is a financial transaction that allows players to borrow money against their owned properties. When a player mortgages a property, they receive a loan from the bank, and the property is used as collateral.

By mortgaging a property, players can free up cash to make other strategic moves in the game. For example, they can use the money to purchase properties, pay off debts, or invest in building houses and hotels on other properties they own.

How does Mortgage Work?

When a player decides to mortgage a property, they turn the title deed card of the property face-down, indicating that the property is now mortgaged. The player then receives a mortgage value from the bank, which is usually half the purchase price of the property.

While a property is mortgaged, it is no longer eligible to collect rent from other players. Additionally, the owner cannot build houses or hotels on the mortgaged property until it is unmortgaged.

To unmortgage a property, players must repay the mortgage value plus an additional 10% interest to the bank. Once the mortgage is lifted, the property becomes active again, and the player can resume collecting rent and building on it if desired.

Why Mortgage Properties?

Mortgaging properties in Monopoly can be a strategic move to generate immediate cash flow. It allows players to take risks and make investments to gain an advantage over their opponents. Here are a few reasons why players choose to mortgage their properties:

  • Strategic Purchases: By mortgaging a less valuable property, players can acquire a more valuable property that gives them a better advantage in the game.
  • Paying Debts: If a player owes rent to another player or money for various fees, mortgaging properties can provide them with the funds needed for repayment.
  • Building Houses and Hotels: The income generated from houses and hotels is often significant in Monopoly. Mortgaging properties can help players raise funds to build these structures on their other properties.
  • Surviving Financial Hardships: Sometimes, players face unexpected financial challenges in the game. Mortgaging properties can save them from bankruptcy and help them get back on track.

Strategies for Using Mortgages

Mortgaging properties should be approached strategically to maximize its benefits. Here are a few strategies that players can employ:

  1. Prioritize Income-Generating Properties: When selecting properties to mortgage, prioritize those that generate the least income for the player. This approach ensures that the player can still collect significant rent from their remaining active properties.
  2. Timing is Key: Consider mortgaging properties at opportune moments, such as when there is no immediate risk of landing on opponents’ properties or during a period of low rent collection for other players.
  3. Plan Ahead: Take into account the potential future benefits of mortgaging a property. Will the funds generated help secure a monopoly on a specific color group or enable the player to build houses and hotels?

Frequently Asked Questions On What Does Mortgage In Monopoly Mean : Mastering The Game Strategy

How Does Mortgage Work In Monopoly?

In Monopoly, mortgage allows players to borrow money by putting properties as collateral. It’s a strategy to generate quick cash.

When Should I Consider Mortgaging Properties In Monopoly?

Consider mortgaging properties when you need cash urgently, want to avoid bankruptcy, or strategize to purchase more properties.

How Do I Mortgage A Property In Monopoly?

To mortgage a property, turn your property card face down and collect money equal to half its original cost from the bank.

Can I Still Collect Rent On Mortgaged Properties In Monopoly?

No, when a property is mortgaged, you cannot collect rent from other players until the mortgage is lifted by paying the principal plus interest.


Mortgaging properties in Monopoly is an essential strategy for generating quick cash flow and enhancing gameplay. Understanding the concept of mortgage allows players to make informed decisions and strategically maneuver through the game. By utilizing mortgages effectively, players can gain an advantage over their opponents and increase their chances of victory.

About the author

Leave a Reply

Your email address will not be published. Required fields are marked *

Latest posts

  • Pay off Mortgage Or Student Loans : Making the Smart Financial Choice!

    Pay off Mortgage or Student Loans When it comes to managing your finances, one of the biggest decisions you may face is whether to pay off your mortgage or student loans first. Both debts can weigh heavily on your budget and overall financial well-being. In this article, we’ll explore the factors to consider when making…

    Read more

  • Mortgage Payment Lost in Mail : Avoiding Financial Stress

    Mortgage Payment Lost in Mail Have you ever experienced the frustration and anxiety of a lost mail containing your mortgage payment? It can be a stressful situation, but fear not! In this article, we will discuss what to do if your mortgage payment is lost in the mail and how to prevent this issue in…

    Read more

  • Can I Change Mortgage Companies Without Refinancing: Insider Tips

    Can I Change Mortgage Companies Without Refinancing When it comes to your mortgage, it’s natural to want the best deal possible. As an homeowner, you may find yourself wondering if you can change mortgage companies without going through the lengthy and expensive process of refinancing. Well, the good news is that it is indeed possible…

    Read more