Law of Property Act 1925: Fundamental legislation governing property rights and mortgages in England and Wales. Defines legal and equitable mortgages and sets out basic requirements for mortgage creation.

Financial Services and Markets Act 2000 (FSMA): Primary legislation that regulates financial services including mortgage lending and sets requirements for authorized lenders.

Consumer Credit Act 1974: Regulates credit agreements and applies to certain types of mortgage arrangements.

Mortgage Credit Directive Order 2015: Implements EU Mortgage Credit Directive and regulates residential mortgage lending in the UK.

FCA Mortgage Conduct of Business Rules (MCOB): Regulatory framework providing detailed requirements for mortgage documentation, disclosure requirements, and ensuring fair treatment of customers.

Consumer Protection from Unfair Trading Regulations 2008: Legislation protecting consumers against unfair commercial practices in mortgage transactions.

Land Registration Act 2002: Legislation setting out requirements for registration of mortgages and other property interests.

Human Rights Act 1998: Legislation that must be considered particularly in relation to mortgage possession proceedings.

Unfair Contract Terms Act 1977: Controls and regulates unfair terms in contracts, including mortgage agreements.

Consumer Rights Act 2015: Legislation governing fairness of terms in consumer contracts, including residential mortgages.