Is it permissible to mortgage a house to terminate a transaction with a usurious bank?

Borrowing from a usurious bank with interest is riba (usury) and is forbidden. Mortgaging a house for a sum of money that the landlord takes from the tenant in exchange for the tenant's dwelling in his house is also riba, because the reality of the aforementioned transaction is that the tenant lent the landlord money in exchange for benefiting from his house. This is a loan that brought a benefit, and it is forbidden. That reduced rent is nothing but a stratagem for this forbidden act. Therefore, it is not permissible to resort to such a transaction, even if it is to pay off a debt. It is not obligatory for someone who borrowed from a bank to hasten the repayment of his debt, unless doing so is a means to waive the usurious interest. If it is determined to be a means to waive it and can be done without hardship, then it becomes obligatory.