Different situation here because no loan was involved but I live in a building where a special levy was raised on only five of six apartments. One apartment had done some extensive renovations (at own expense but with OC approval) that included changing the nature of balcony windows. Five years later, the OC decided to do the same to all the other balcony windows in the building. It was deemed unfair for the lot owner who had paid for her own window work to then pay the special levy for everyone else’s work, so a by-law was developed excusing her from the special levy and handing responsibility for ongoing maintenance of her windows back to the OC. The special levy was paid by five owners. The work was completed on five sets of balcony windows. The OC is now responsible for ongoing maintenance of the windows on all six apartments.