How do i protect myself in case of another crash?

[Adi Jacob]

Hey guys thanks in advance for anyone who reply's :)
My question is - if i buy a property lets say its worth today 100k with a 75k mortgage, and the market crashes next year, and the property is now worth 75k. Will i be able to refinance the mortgage since the value of my property has changed? Is that something that lenders will do? After all it is the banks interest that i will pay my mortgage..