Memorandum of Sale Checklist

Head of Policy and Campaigns, Timothy Douglas, has followed up our written submission to the Housing, Communities and Local Government Committee inquiry into housing affordability with in-person evidence on 6 January 2026. Our evidence reinforces the need for a joined-up approach to affordability which considers housing supply, rental market pressures, financial products, taxation, and consumer costs together.

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.

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.

Joining industry leaders at FutureFinance.AI Proptech conference on 7 November 2025, our CEO, Nathan Emerson, discussed the crucial role that data quality and regulatory reform will play in driving growth and emphasised that agents need to have confidence that the digital product will have longevity before making significant investments.