free and clear

adjective2

1. •
   In a condition of lawful outright ownership, without restrictions or encumbrances.

   • [T]hey cannot at once name a dozen in the town who own their farms free and clear. — 1854
2. •
   Possessing such lawful outright ownership.

   • I made the last payment on the house today. . . . We’re free and clear. — 1949