Law of Property Act 1925: Primary legislation governing property law in England and Wales. Key aspects include legal mortgages, charges, property rights, and power of sale provisions.
Land Registration Act 2002: Covers registration requirements for mortgages, priority rules, and electronic conveyancing provisions.
Financial Services and Markets Act 2000: Establishes regulatory framework for mortgage lending and financial promotion rules.
Consumer Credit Act 1974: Governs consumer borrowing aspects, including disclosure requirements and consumer protection provisions for regulated mortgage contracts.
FCA Mortgage Conduct of Business Rules (MCOB): Regulatory requirements covering lending criteria, information disclosure, and fair treatment of customers in mortgage business.
Consumer Protection from Unfair Trading Regulations 2008: Ensures fair marketing practices and transparency requirements in mortgage agreements.
Human Rights Act 1998: Protects right to peaceful enjoyment of property and right to private and family life in context of mortgage agreements.
Unfair Contract Terms Act 1977: Regulates fairness of contract terms and limitations on exclusion clauses in mortgage agreements.
Consumer Rights Act 2015: Ensures fairness and transparency of terms in consumer mortgage contracts.
Financial Services (Distance Marketing) Regulations 2004: Specific requirements for mortgages arranged remotely, including information disclosure and cooling-off periods.
