The online resource for UK Property Law

Mortgages

This section contains material on a number of matters relating to mortgages. The topics covered can be seen in the contents list on the left.

Damages

Nigel Clayton examines the issue of damages in the Shokrollah-Babaee v EFG Private Bank Ltd case, focusing on a claim against the mortgage lender for breaches of statutory duty (MCOB) and the common law duty of care. The specific context involves overvaluations, and...

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Company Charges

Article contributed by Nigel Clayton   Rectification of the companies register – making of administration    Case Name, Reference, and Judgement  MS Lending Group Limited v LVR Capital Limited  [2023] EWHC 2509 (Ch)    Summary  The High Court ordered rectification of...

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Mortgages – Mistaken Discharge

Article contributed by Nigel Clayton   Mistaken discharge – application for summary judgment to rescind and for alteration of the register   Case Name, Reference and BAILII link Barclays Bank UK Plc v Terry [2023] EWHC 2726 (Ch)   Summary The High Court...

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Mortgages

Article contributed by Nigel Clayton   Nigel Clayton discusses mortgage business in relation to Section 2 of the Law of Property (Miscellaneous Provisions) Act 1989 and winding up petition.   Case Name, Reference and BAILII link    Mortgage Five Zero Limited v...

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Undue Influence

Article contributed by Nigel Clayton, Kings Chambers   Constructive notice – partial surety case – principles to be applied - application of s 199 LPA 1925    Case Name, neutral citation, bailii link    Waller-Edwards v One Savings Bank Plc   [2023]...

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Mortgage Litigation

Article contributed by Nigel Clayton   Appeal - possession order and money judgment – default rate of 12% pcm compounded - judge’s findings on default rate/penalty and unfair relationship – effect of lender’s concession on amount claimed.    Case name, reference...

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Regulatory Compliance

Article contributed by Nigel Clayton, Kings Chambers   Unregulated lending assuming borrowers not in occupation – consequences – sham – waiver/breach – whether default rate a penalty – undue influence    Case name, reference and Bailii link   Houssein & Ors v...

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Mortgage Enforcement 

Article contributed by Nigel Clayton   Regular orders in the county court – Part 8 Claims in the High Court seeking ‘relief’ – ‘Freemen on the Land’ style claimants – striking out      Case name, reference and Bailii link      Lewis v The West Brom [2023] EWHC...

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Mortgage of Lease

Article contributed by Nigel Clayton - Kings Chambers   Dissolution of co-debtor and mortgagor – disclaimer of lease - entitlement of individual co-debtor to vesting order or subrogation    Case name, reference & Bailii link: Kensington Mortgage Company...

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