un·en·cum·bered Photograph By Dino Reichmuth un·en·cum·bered /ˌənenˈkəmbərd/ Learn to pronounce adjective adjective: unencumbered not having any burden or impediment. "he needed to travel light and unencumbered" free of debt or other financial liability. What is an unencumbered property? An unencumbered property is simply a term used for a property that is mortgage-free. The property must be free of any loans, charges and restrictions. If you've paid off your entire mortgage or purchased a property with cash outright, then the property is unencumbered .