So if property has not been utilised by the original owner, and another person starts to occupy and utilize it for a reasonable period of time (i.e., 20 years), the new occupier can lodge for the property title to be transferred to themselves. This is know as 'Adverse possession' or 'Squatter rights'.
Let's assume the property has been successfully 'adversedly possessed', but there was a mortgage on the property. Is the original owner still responsible for the mortgage, or does it transfer to the new owner?
I am interested in NZ/Aus law, but feel this is an interesting question, so am happy for answers pertaining to other locations as well