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A legal information website which provides helpful guidance and regular updates on all aspects of the law, practice and procedure involving mortgage litigation.

For recent monthly updates click on Update 2019 and for archived monthly updates back to 2009 click on Archive.

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This site is edited by Nigel Clayton LLB (Hons), Barrister, Kings Chambers

Nigel was Called to the Bar of the Inner Temple in 1987 and is a member of the Chancery and Commercial Department of Kings Chambers, a leading civil set of Chambers based in Manchester, Leeds and Birmingham.
Since qualifying, Nigel has practised solely in Property Law and specialises in mortgage law and litigation. He has considerable experience of acting for banks, building societies and centralised lenders, as well as borrowers. He has appeared in several high profile cases and is the author of Mortgage Possession Actions (Sweet & Maxwell). He is the mortgage editor of the Property Law Website ( ) and is a regular speaker on Mortgage Litigation.

Significant reported cases:
CIBC Mortgages Plc v Pitt [1994] 1 AC 200 HL (mortgages, undue influence)
Maes Finance Ltd v Shriskantharaja [1998] EWCA Civ 485 (mortgages, appeals)
Eagle Star Insurance Co Ltd v Karasiewicz [2002] EWCA CIV 940 (mortgages, subrogation)
Michael v Miller [2004] EWCA Civ 282 (mortgages, mortgagees’ duties on sale)
Nolan v Wright [2009] 3 All ER 823 (mortgages, consumer credit, limitation)
English v English [2010] EWHC 2058 (Ch) (mortgages, forgery, ratification, solicitors duty of care)

Nigel is regularly ranked as a leading individual for mortgage and property work in the Chambers UK and Legal 500 Directories

Memberships:   Appointments: 
Northern Chancery Bar Association Junior Counsel to the Crown: 2000
Northern Circuit and North Eastern Circuit Recorder: Civil (2003) Family (2011)
Society of Trust and Estate Practitioners

To download Nigel's full CV, please click on the link:

Instructing Nigel Clayton



Kings Chambers symbol
NC Chambers UK 2019
NC Legal 500 2019

Nigel usually accepts instructions from solicitors or in-house legal advisers, but is also licensed by the General Council of the Bar to accept instructions from members of the public under the Direct Public Access Scheme. Any enquiries should be made to the clerks in Chambers:

Contact details

The legal stuff...

For professional reasons, Nigel Clayton cannot undertake a duty of care to advise on any particular case without accepting formal instructions, either from a Solicitor or under the Direct Public Access Scheme. For further information, please contact Kings Chambers.

Disclaimer: The information and any commentary on the law, practice or procedure contained in this website, or in any monthly updates, is provided free of charge for information purposes only. Every reasonable effort is made to make the information and commentary accurate and up to date, but no responsibility for its accuracy and correctness, or for any consequences of relying on it, is assumed by the site providers. The information and commentary does not, and is not intended to, amount to legal advice to any person on a specific case or matter. You are strongly advised to obtain specific, personal advice from a lawyer about your case or matter and not to rely on the information or comments on this site. By entering this site you accept that you have no right or recourse against the providers of information on this website.

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