Pink Home Loans is warning the introduction of "home seller packs" by the Government will create more problems than they solve.
The mortgage packager says sellers may be put off moving by the amount of up-front costs involved.
It believes the expense of providing a building survey, details of planning applications affecting the property and a list of fixtures and fittings included in the sale, could create a cost barrier many home owners are unwilling to cross.
Pink managing director Peter Presland says: "Although the aim of the initiative is laudable, there are downsides it is no panacea. The home buying process is a traumatic and difficult process and anything that can ease the pain is to be welcomed.
"However there are a couple of serious 'buts' about these proposals. The seller will be obliged to pay a lot of up-front expenses. You could argue that this will put a lot of obstacles in the way of people moving, reducing the number of properties on the market."