Co operative Bank audit regarding cc renewal

Sir/Madam,
The Co operative Bank Issue the CC Renewal loan on Mortgage property in that case the bank has enforcement changing in every 15 years means The 15th year completing The bank will transfer property to the owner and that day re registration with bank name in this situation If Loan renewal is 01.04.2023 and the the mortgage property 15th year completion is 22.04.2023 how the auditor consider the situation where I can get refferance about sanctions.