Law of Property Act 1925: Primary legislation governing mortgages and charges over land in England and Wales, including requirements for creation of legal mortgages and formal requirements for land charges

Financial Services and Markets Act 2000: Establishes the regulatory framework for financial services in the UK, including requirements for regulated mortgage activities and lender obligations

Consumer Credit Act 1974: Governs consumer credit arrangements including mortgages for personal use, providing key consumer protection provisions and regulatory requirements

Mortgage Credit Directive Order 2015: Implements EU mortgage credit rules (retained in UK law post-Brexit), setting standards for consumer mortgage lending and borrower protection

Land Registration Act 2002: Establishes requirements for registration of mortgages and priority rules in land registration, crucial for securing the lender's interest

FCA Mortgage Conduct of Business Rules (MCOB): Regulatory guidelines for regulated mortgage lenders, covering fair treatment of borrowers and disclosure requirements

Consumer Protection from Unfair Trading Regulations 2008: Provides protection against unfair commercial practices in mortgage lending and related activities

Unfair Contract Terms Act 1977: Controls unfair terms in contracts, particularly relevant for mortgage agreements and associated documentation

Consumer Rights Act 2015: Consolidates consumer protection law, applicable to mortgages where the borrower is acting as a consumer

Money Laundering Regulations 2017: Sets out requirements for identity verification and anti-money laundering measures in mortgage transactions