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Residential Mortgages: Complete Guide to Home Purchase Finance

Complete guide to residential mortgages. Learn about home purchase financing, types, and finding the best deals.

By David Sampson
29 September 2025
1 min read
UK residential mortgage article image for Residential Mortgages Complete Guide to Home Purchase Finance

Written by David Sampson for Mortgage118. Last updated 11 May 2026. Reviewed against our editorial standards. Editorial standards.

TL;DR

  • # Residential Mortgages: Complete Guide to Home Purchase Finance Residential mortgages are the most common type of mortgage, used to purchase properties for personal occupation.
  • Learn about home purchase financing, types, and finding the best deals..
  • Our specialist brokers can help you find the best deals for your home purchase.*

# Residential Mortgages: Complete Guide to Home Purchase Finance

Residential mortgages are the most common type of mortgage, used to purchase properties for personal occupation.

## Types of Residential Mortgages

### First Time Buyer
– **Higher LTV** options
– **Government schemes**
– **Special rates** available
– **Lower deposit** requirements

### Home Mover
– **Portable mortgages**
– **Additional borrowing**
– **Equity release**
– **Flexible** terms

*Looking for a residential mortgage? Our specialist brokers can help you find the best deals for your home purchase.*

About David Sampson

David Sampson writes about the UK mortgage market for Mortgage118, covering specialist lending, market trends, and practical advice for borrowers. All content is reviewed for accuracy against FCA guidelines and current market data.

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Residential Mortgages: Complete Guide to Home Purchase Finance | Mortgage118