¶1The action in this case was brought to cancel a bond and mortgage and to restrain the foreclosure of the mortgage. The mortgage was executed by Babbott and wife, and the plaintiffs claim that it was given upon a usurious consideration. On the trial Babbott offered *278himself as a witness, to prove the usury. Upon objection by the defendants he was excluded, upon the ground that the wife was interested in the event of the suit; having an inchoate right of dower in the mortgaged premises. This is the only ■question in the case.
¶2I think the husband was á competent witness on his own behalf. In the first place, the wife was not a necessary party to the suit. If she could be affected by the result of the suit, it would not be in consequence of any direct adjudication upon her rights, but from the adjudication upon the rights of her husband. If the suit had been brought by the husband alone, the effect of an adjudication, I think, would be precisely the same. If he should succeed in procuring the bond and mortgage to be canceled, the land would be free from the mortgage as well in regard to her inchoate right of dower as to the husband’s fee. So, on the other hand, had he failed, it would for ever be conclusive upon the question of usury. She might as well be made a party in an action of ejectment by or against the husband. Her inchoate right of dower is not such a right as to be capable of being established or divested by a judicial determination against the wife directly.
¶3In the second place, the inchoate right of dower in the wife is not such an interest as will exclude the husband from being a witness in a suit which involves the title or interest of the husband upon which such inchoate right of dower depends. Had a suit been brought against the husband, upon the bond, it seems to me the wife’s interest would be precisely the same. It is a remote contingent interest which would not render the wife herself, at common law, incompetent upon the ground of interest.
¶4The interest that excludes “ must be a present, certain and vested interest, and not an interest uncertain, remote or contingent.” (1 Greel. § 390. 1 Salk. 283. 5 John. 256. 1 id. 491.)
¶5It can scarcely be claimed that the inchoate right of dower is a vested interest. Again; in collateral proceedings not directly, nor immediately affecting their interests, the husband *279and wife are competent witnesses. (1 Phil. Ev., Edwards’ ed. 84. 1 Greenl. 142.)
¶6Under the code it is not the interest which excludes, at all, but considerations of public policy. And the same policy requires that when the interests of others are involved directly, and that of the husband or the wife only collaterally or remotely, they should not be excluded. (1 Phil. Ev. 86. 1 Strange, 504.)
¶7The principle of exclusion which, within proper limits, is a salutary one, should not be extended beyond the cases wherein the immediate and direct interests of the husband and wife are involved.
¶8It was held in The City Bank v. Bangs et al. (3 Paige, 36,) that a wife might be examined as a witness between other parties, although the hudbdnd had a collateral interest in opposition to the party calling her. The same was decided in Fitch v. Hill, (11 Mass. Rep. 286.)
¶9Upon the whole, I think the judgment should be reversed, and a new trial ordered.
¶10Pratt, Bacon, W. F. Allen and Mullin, Justices.]