Law of Property Act 1925: Primary legislation governing creation and enforcement of legal mortgages, defining requirements for legal charges over land, and setting out mortgagee's powers and remedies

Financial Services and Markets Act 2000 (FSMA): Regulates mortgage lending, requires FCA authorization, and sets conduct of business rules for mortgage providers

Consumer Credit Act 1974: Regulates consumer credit agreements, prescribes mandatory information and format requirements, and provides consumer protections when borrower is a consumer

Land Registration Act 2002: Establishes requirements for registration of charges, priority of mortgages, and notice requirements for property transactions

Mortgage Credit Directive Order 2015: Implements EU mortgage credit rules and applies specifically to residential mortgage lending

Financial Services and Markets Act 2000 (Regulated Activities) Order 2001: Defines regulated mortgage activities under UK financial services law

Unfair Terms in Consumer Contracts Regulations 1999: Controls unfair terms in consumer contracts, with particular relevance to consumer mortgages

Consumer Rights Act 2015: Sets out fairness requirements and transparency obligations for consumer contracts including mortgages