encumbered
adjective
uk/ɪnˈkʌmbəd/ us LAW, PROPERTY
if a property is encumbered, there is a mortgage or other charge on it:
Transfer of encumbered property can have negative tax implications.
if a person or an organization is encumbered, there is something that makes it difficult for them to do things:
encumbered by/with sth The firm is encumbered by debt, and may need to sell off assets.
Online stores are not encumbered with the overheads of high-street stores.