New Year property search boom, mortgage rule changes and increased rental regulation: why using a qualified property agent matters more than ever

Professional standards, recognised qualifications, and accountability protect buyers, sellers, landlords, and tenants.

As the Financial Conduct Authority (FCA) moves to evolve mortgage rules and many consumers get ready to start their search for their 2026 home move, Propertymark is urging consumers to ensure they work with a qualified and regulated agent when buying, selling, renting, or letting a home.

Propertymark warns that without the correct vetting, consumers could fall foul to unscrupulous rogue operators.

Potential changes to lending criteria and the usual New Year surge in mover demand are expected to increase market activity. As well as this, huge legislation changes implemented in the rental market are making it all the more important for home movers to receive regulated guidance from a professional agent.

Professional standards matter more than ever

Property transactions and rental agreements are among the most significant financial decisions consumers make, yet not all agents are required to meet the same professional standards. Using a Propertymark member provides reassurance that consumers are working with an agent who is qualified, trained, and accountable.

Propertymark members must commit to ongoing professional development, ensuring they are equipped to navigate changing mortgage rules, evolving legislation, and complex market conditions.

Clear codes of practice and financial protection

All Propertymark members have chosen to be independently regulated and accountable to the highest professional standards. This means they are required to adhere to a strict Code of Practice, designed to promote transparency, fairness, and ethical behaviour. This includes clear standards around client communication, marketing, and the handling of client money.

Propertymark undertakes regular inspections to ensure agents maintain full compliance and follow industry best practice at every stage of their work.

Accountability and access to redress

Propertymark members are accountable to an independent professional body. If standards are not met, Propertymark has the authority to investigate complaints and take disciplinary action where appropriate.

Consumers also benefit from access to a government-approved redress scheme, ensuring disputes can be resolved fairly and independently, an important reassurance at a time when market conditions remain uncertain.

Building confidence in a changing market

Nathan Emerson, CEO of Propertymark, said:

“As mortgage rules evolve and the housing market responds to wider economic pressures, consumers need confidence that they are receiving accurate, up-to-date, and professional advice.

“Choosing a Propertymark member means working with an agent who is qualified, accountable, and committed to the highest standards of practice.

“In periods of uncertainty, professional competence is not optional; it is essential to protecting consumers and maintaining trust in the property sector.”

How consumers can check

Consumers can check whether an agent is a Propertymark member by looking for the Propertymark logo on the agent’s website or shop window, or by using Propertymark’s Find an Expert search tool: www.propertymark.co.uk/find-an-expert