The Property Ombudsman (TPO) has issued new guidance in responding to growing concern about the prevalence of aggressive practices in the home-buying process, empowering buyers to recognise and challenge unfair practices. With complaints on the rise and increased scrutiny from redress schemes and Trading Standards, estate agents should take time to review their processes, staff training and messaging to ensure compliance.

Despite a multi-year commitment to affordable housing supply and increased investment in acquisitions and homelessness prevention, it is surprising that the Scottish Government is yet again failing to tackle the housing emergency, and the Budget misses an important opportunity to address the growing tax burden on housing. At a time of acute housing pressure, Scotland needs policies that encourage mobility and investment across all tenures.

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.

Plans for a transparent and balanced system are welcome and could have significant benefits for Scotland’s regeneration and housing ambitions. However, reform must not come at the expense of fairness. Clearer legislation, early engagement, and collaboration with qualified property professionals will ensure that public projects can proceed efficiently while protecting the rights and confidence of property owners and agents.

By 2035, automation, AI, and digital registers will speed up transactions and strengthen fraud protection, bringing major opportunities and responsibilities for property agents. HM Land Registry’s (HMLR) ambitious plan will reshape how information is stored, verified and shared across the property sector.

A package of fundamental reforms, centred on upfront information, digital data and ID, higher professional standards, and earlier binding agreements, has been released for a 12-week public consultation. Designed to make home moves quicker, more certain, and less stressful, the changes could cut typical timelines by up to four weeks and save consumers about £255m a year, according to the Ministry for Housing, Communities and Local Government (MHCLG).

We have responded to the Competition and Markets Authority (CMA) on its draft price transparency guidance under the Digital Markets, Competition and Consumers Act 2024 (DMCCA). From 6 April 2025 the DMCCA replaced the Consumer Protection from Unfair Trading Regulations, so the CMA’s approach will shape day‑to‑day advertising for every agent. Our message is clear: property is different, and the guidance must reflect that.

The Scottish Government has set out plans to modernise the 200-year-old legislation that underpins Compulsory Purchase Orders, making them fairer, faster and simpler for public bodies to use, and easier for people affected to understand. By removing barriers to the use of these powers, MSPs hope they can be used more frequently to support the delivery of new homes, infrastructure, and regeneration projects. However, the scale of the reform needed means legislation is unlikely to be brought forward until after the next Scottish Parliament Election in 2026.

In a significant policy announcement on 15 July 2025, Chancellor Rachel Reeves, MP, unveiled plans to enhance homeownership opportunities across the UK by providing government backing to lenders who offer mortgages with deposits as low as 5%. By making this scheme permanent, the UK Government aims to stabilise the housing market and assist more people in becoming homeowners.

The UK Government has unveiled major initiatives in its Modern Industrial Strategy that will significantly influence the housing supply and overall property market, signalling huge opportunities and implications for our members. Proper consultation and partnership will be key to delivering genuine benefits, and we remain committed to providing representation to ensure the best outcomes for agents and the wider property market.

The UK Government has committed to banning the sale of new flats on a leasehold basis and reforming the legal framework for commonhold, so it becomes the default and preferred tenure. It will also become easier for existing leaseholders to convert to commonhold, although the complexities of this may take longer to work out. Few agents in England and Wales have experience with commonhold, as less than 20 developments currently exist, so Propertymark has broken down some key parts of the proposals to help members understand the change.

Harmless plants, including Bindweed and dogwood, are frequently mistaken as Japanese knotweed, leading to unnecessary alarm and potential complications during property transactions, and further education is needed to help with identification.

The buyers of a £32.5 million mansion sued the seller after he failed to give honest information about the state of the property in pre-sale enquiries, particularly, a serious moth infestation. As a result, the court ordered the sale to be reversed, with the buyers receiving a refund of the purchase price plus £4m in damages, including compensation for ruined items.