News & Analysis as of

Housing Market United Kingdom

A&O Shearman

Mansion House: Mortgage-related developments

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HM Treasury has announced the launch of a permanent mortgage guarantee scheme, aimed at supporting first-time buyers and home movers across the UK. The scheme enables access to 91–95% loan-to-value mortgages, allowing buyers...more

Mayer Brown

Legal Developments in Construction Law: July 2025

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1. UNFIT FOR HABITATION UNDER THE DPA? HOW DOES THE COURT WORK OUT THE DAMAGES? The Defective Premises Act may be 53 years old but it has received particular attention in recent years, notably following its makeover by...more

Hogan Lovells

UK Mortgage Rule Review: FCA discussion paper on future of market seeks views on ‘trade-offs and risks’ that changing its rules...

Hogan Lovells on

Following the FCA’s May 2025 ‘first steps’ consultation on proposals to simplify its mortgage framework via a Mortgage Rule Review (MRR), it has now published a discussion paper on the future of the mortgage market. The...more

A&O Shearman

FCA publishes discussion paper on the future of the UK mortgage market

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The UK Financial Conduct Authority (FCA) has published discussion paper DP25/2 (DP) accompanied by an updated webpage and press release, on the future of the UK mortgage market, as part of its ongoing mortgage rule review....more

BCLP

Competition and Markets Authority to Look Into the Efficiency of the Civil Engineering Market

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On 19 June 2025, the government introduced its 10-Year Strategy, a comprehensive plan aimed at fostering economic growth through investment in (amongst other areas) housing and social infrastructure. This strategy marks a...more

Jones Day

Bridging the Gap: Supply Shortfalls and Soaring Demand in the UK Build-to-Rent Sector

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The UK faces a significant housing crisis due to an acute shortage of homes caused by high capital costs, increasing construction and development expenses, regulatory and political uncertainty, and persistent delays in the...more

Jones Day

London Leads in Affordable PBSA: What's Next for the Rest of England?

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London boroughs are implementing the London Plan's requirements for affordable Purpose-Built Student Accommodation ("PBSA") in varied ways, with some setting stricter or additional criteria....more

Hogan Lovells

UK Real Estate Horizon Scanner Summer 2025

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The UK government continues to make plenty of promises in terms of reform, a rental revolution and a planning shake-up. What is coming down the line in terms of new legislation over the next few months and which are the...more

Mayer Brown

Purpose Built Student Accommodation and the Renters’ Rights Bill: Where Are We Now?

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As the Renters’ Rights Bill (the "Bill") makes its way through the Committee Stage of the House of Lords, its implications for student accommodation have emerged as one of the more technically difficult areas to address....more

Hogan Lovells

UK Mortgage Rule Review: FCA consults on 'first steps' aimed at simplifying rules and increasing flexibility

Hogan Lovells on

Following a March 2025 press release and letter to the Economic Secretary to the Treasury announcing plans to improve access to mortgages to support the government’s economic growth mission, the FCA has published a ‘first...more

Hogan Lovells

Building Safety Act Hub

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The Building Safety Act 2022 has brought a fundamental shift in the regulation of relevant and higher risk buildings, imposing a swathe of new obligations and processes on those responsible for these buildings, and plenty to...more

Mayer Brown

Can Volumetric Construction Solve the Housing Crisis?

Mayer Brown on

The UK is facing a severe housing crisis, with a chronic shortage of affordable and sustainable homes, rising property prices, and a growing population that outstrips supply. Although the planning system is a key culprit, it...more

BCLP

Tall Building Trends in London

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Tall buildings have hugely contributed to London’s sense of place and rightful place as a world-leading financial centre. They have made a defined impact on the London skyline particularly in the period between 2000-2019 when...more

Mayer Brown

Commonhold – Is It Really Around the Corner?

Mayer Brown on

BACKGROUND - The advent of commonhold has been much trumpeted. The government has just published a new white paper, The proposed new commonhold model for homeownership in England and Wales....more

Hogan Lovells

UK Leasehold Reform: Commonhold is coming

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Commonhold is a form of freehold ownership, where each unit holder owns their own unit (which could be a flat, shop or office unit), and together they own their communal areas through a “commonhold association” - a company...more

Hogan Lovells

The politics of housing: Changes to UK residential property law - beware the law of unintended consequences

Hogan Lovells on

The last government made significant changes to leasehold including banning new leasehold houses through the Leasehold and Freehold Reform Act 2024. The current government has indicated it will go even further through the...more

BCLP

What’s New in the Updated NPPF?

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On 12 December 2024, the updated NPPF consulted on over the summer, came into immediate effect. The pro-development changes aim to increase housing delivery, support development generally and in particular key growth sectors...more

BCLP

The King’s Speech: Hints at the Planning Reform to Come

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So, now is the time to deliver. Among an abundance of new legislation announced in the King’s Speech, we see the legislative beginning of a heavily trailed reform to the planning system with the delivery of high quality...more

BCLP

General Election 2024: How Do the Planning Manifestos Compare?

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This Insight summarises the Planning aspirations of the Conservative, Labour and the Liberal Democrat manifestos for the UK’s 2024 election. Their shared focus is on housing, energy infrastructure and battling climate change....more

Mayer Brown

UK Election Bulletin: What would a Labour government mean for businesses?

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Overview - On 22 May 2024, UK Prime Minister Rishi Sunak announced that he had requested permission from King Charles III to dissolve parliament and call a general election. The election will take place on 4 July 2024....more

BCLP

Spring Budget 2024

BCLP on

It has been a busy Budget for the real estate sector today, particularly for the residential sector.  The big announcement was the proposal to abolish SDLT’s multiple dwellings relief (“MDR”).  This came as a surprise and for...more

Jones Day

UK Housebuilders Avoid Immediate Regulatory Intervention, but Sector Now Faces Fresh Scrutiny on Information Exchanges

Jones Day on

The UK Competition and Markets Authority ("CMA") has identified "fundamental concerns" in the housebuilding sector and has made a series of recommendations for the UK, Scottish, and Welsh governments to consider, rather than...more

Jones Day

Biodiversity Net Gain: A New Requirement for Developments in England to Positively Impact the Environment

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The Situation: On January 17, 2024, mandatory biodiversity net gain ("BNG") regulations took effect, impacting most new developments in England. ...more

BCLP

Levelling Up and Regeneration Act 2023: Summary of Planning Reforms

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The Levelling-up and Regeneration Act 2023 was given Royal Assent on 26 October 2023. It introduces some wide-ranging reforms to the planning system which we summarise in this Insight. However, most of the changes will not...more

K&L Gates LLP

Overriding Interest Summer 2023

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Welcome to the latest edition of Overriding Interest. Inside this issue: - New Joiners - Articles of Interest & Firm News - Events - Pro Bono Update - Case Reports ...more

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