There is in Canada! Mortgages have 5-year terms, but 30 year amortization. When you renew at the end of your 5-year term, the mortgage company can ask for an appraisal and ask you to cough up enough money to maintain 80% loan-to-value.

That's even if you keep the exact same mortgage and bank.

Not on a typical residential mortgage, but commercial balloon mortgages often have a provision for the loan being called early.

... also many (most ?) seller-financed residential mortgages.