We know that time is precious for our members and that we are more likely to retain information when it’s presented in small chunks. Each session is designed to introduce fresh perspectives and drive lasting behaviour change.
Introducing Resolution’s Lunch & Learn sessions, our bitesize training
To celebrate the Year of the Code, we have launched Lunch & Learn sessions, our bitesize training, putting elements of our Code of Practice front and centre.
Read more about Lunch and Learn sessions
Session 4 overview – Understanding Mortgage Capacity: Best Practice for Robust, Court-Ready Financial Evidence
Mortgage capacity reports are increasingly relied upon in family proceedings — yet the quality, methodology, and usefulness of these reports can vary significantly. This session provides a clear, practical guide to understanding what a robust, court-ready mortgage capacity report should contain, how the figures are derived, and how to spot common issues before they reach the courtroom.
Drawing on real-world examples from practice, the session will explore affordability modelling, lender criteria, stress-testing, and how different income structures and debts impact borrowing calculations. We will also look at the key differences between a basic lending assessment and a comprehensive court-ready capacity report, including supporting evidence, assumptions, and transparency.
By the end of the session, attendees will feel more confident in instructing, reviewing, and relying upon mortgage capacity reports, enabling clearer advice to clients and more efficient case preparation.
What Attendees Will Gain
- A clear understanding of what constitutes a high-quality, court-ready mortgage capacity report.
- Insight into how lenders assess affordability and how this is reflected in capacity calculations.
- Practical tips for instructing experts and avoiding common pitfalls in evidence.
- Confidence in interpreting reports and challenging unrealistic or incomplete assessments.
- Awareness of typical supporting documents and what “good practice” looks like.
Who is this session for?
- Family solicitors
- Mediators
- Financial remedy practitioners
- Anyone advising clients on housing options and affordability in separation/divorce cases
Meet the presenter:
Christopher Lawton is a qualified mortgage adviser specialising in mortgage capacity assessments for family law proceedings. He works closely with solicitors, mediators, and clients to produce clear, transparent, and court-ready reports that combine detailed lender analysis with practical, real-world affordability guidance. With extensive experience across mainstream and specialist lending, Christopher focuses on demystifying borrowing calculations and providing evidence that supports fair, informed financial remedy outcomes. Known for his pragmatic approach and ability to translate complex criteria into clear advice, he regularly assists practitioners in navigating the realities of post-separation borrowing.
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