The professional body
for the property sector

The Financial Conduct Authority (FCA) has confirmed a wide-ranging review of mortgage rules to support sustainable home ownership while ensuring standards of consumer protection remain high. The reform signals positive change on the horizon for first- and last-time buyers, self-employed people, and vulnerable customers, who may have experienced limited access to borrowing under the current rules.

The Ministry of Housing, Communities and Local Government (MHCLG) is keeping up the pace of change by beginning consultation on ‘definitive’ changes to the National Planning Policy Framework (NPPF) before the ink is dry on the newly approved Planning and Infrastructure Act 2025, which received Royal Assent on 18 December 2025. The latest proposals are the final step in the regearing of the planning system, which the UK Government says will be followed by a period of stability and laser-focused delivery.

Propertymark has worked tirelessly to ensure members’ voices are heard, practical concerns are addressed, and reforms are workable as the UK and devolved governments have pushed ahead with major legislative changes. Long-standing challenges around supply, affordability and standards have remained firmly in focus, and we will continue to scrutinise legislation, challenge unclear proposals and provide practical guidance to support members as reforms move from policy into practice across the UK.