--- title: "Residential mortgage topics" description: "Browse residential mortgage topics and choose a focused guide to your question." url: "https://mortgagelane.com/guides/residential-topics" site: "Mortgage Lane" collection: "guides" date: "2026-10-01" reviewed: "2026-10-08" reading_time: "3 min" language: "en-GB" robots: "index,follow" --- # Residential mortgage topics Browse residential mortgage topics and choose a focused guide to your question. Browse residential mortgage topics and choose a focused guide to your question. [Back to main guides](https://mortgagelane.com/guides) ## Residential mortgage topics - [2026](https://mortgagelane.com/guides/residential/new-build-mortgages)[New Build Mortgages \| Deposits, Incentives & Timing](https://mortgagelane.com/guides/residential/new-build-mortgages) — New build mortgages: deposits on new build flats and houses, how developer incentives affect the loan, valuations, warranties, offer expiry and completion. — Joseph Lane · 3 Jul 2026 · 4 min[Read more about New Build Mortgages \| Deposits, Incentives & Timing](https://mortgagelane.com/guides/residential/new-build-mortgages) - [2026](https://mortgagelane.com/guides/residential/right-to-buy-mortgages)[Right to Buy mortgages](https://mortgagelane.com/guides/residential/right-to-buy-mortgages) — Explore how Right to Buy discounts, deposit requirements and lender checks affect a purchase in England. The guide also covers affordability and the restrictions on selling the property. — Written by an adviser at Mortgage Lane · 3 Jul 2026 · 3 min[Read more about Right to Buy mortgages](https://mortgagelane.com/guides/residential/right-to-buy-mortgages) - [2026](https://mortgagelane.com/guides/residential/digital-mortgages)[Digital mortgages](https://mortgagelane.com/guides/residential/digital-mortgages) — See how Open Banking, automated valuations and digital underwriting fit into a mortgage application, and which cases still need a closer review. — Written by an adviser at Mortgage Lane · 3 Jul 2026 · 3 min[Read more about Digital mortgages](https://mortgagelane.com/guides/residential/digital-mortgages) - [2026](https://mortgagelane.com/guides/residential/zero-hour-contract-mortgages)[Zero hour contract mortgages UK](https://mortgagelane.com/guides/residential/zero-hour-contract-mortgages) — Lenders assess the history and consistency of variable income. Find out which evidence applicants on zero-hour contracts may need. — Written by an adviser at Mortgage Lane · 3 Jul 2026 · 3 min[Read more about Zero hour contract mortgages UK](https://mortgagelane.com/guides/residential/zero-hour-contract-mortgages) - [2026](https://mortgagelane.com/guides/residential/interest-only-mortgages)[Interest only mortgages](https://mortgagelane.com/guides/residential/interest-only-mortgages) — Monthly payments cover interest, while the capital needs a repayment strategy. The guide explains income assessment, repayment vehicles and the risks to consider. — Written by an adviser at Mortgage Lane · 3 Jul 2026 · 4 min[Read more about Interest only mortgages](https://mortgagelane.com/guides/residential/interest-only-mortgages) - [2026](https://mortgagelane.com/guides/residential/buying-a-house-from-family)[Buying a house from family](https://mortgagelane.com/guides/residential/buying-a-house-from-family) — Buying a house from parents, grandparents or siblings with a mortgage: the discount as gifted equity, the gifted equity letter, the legal steps and the tax. — Written by an adviser at Mortgage Lane · 8 Oct 2026 · 8 min[Read more about Buying a house from family](https://mortgagelane.com/guides/residential/buying-a-house-from-family) - [2026](https://mortgagelane.com/guides/residential/shared-ownership-mortgages)[Shared ownership mortgages](https://mortgagelane.com/guides/residential/shared-ownership-mortgages) — Buying a share of a home involves mortgage payments alongside rent and other costs. The guide covers lender assessment, lease terms and buying further shares. — Written by an adviser at Mortgage Lane · 3 Jul 2026 · 4 min[Read more about Shared ownership mortgages](https://mortgagelane.com/guides/residential/shared-ownership-mortgages) - [2026](https://mortgagelane.com/guides/residential/help-to-buy-equity-loan-mortgage)[Help to buy equity loan mortgage](https://mortgagelane.com/guides/residential/help-to-buy-equity-loan-mortgage) — How existing Help to Buy equity loans work, including remortgaging, repayments, interest and the different position in Wales. — Written by an adviser at Mortgage Lane · 3 Jul 2026 · 4 min[Read more about Help to buy equity loan mortgage](https://mortgagelane.com/guides/residential/help-to-buy-equity-loan-mortgage) - [2026](https://mortgagelane.com/guides/residential/contractor-mortgages)[Contractor mortgages](https://mortgagelane.com/guides/residential/contractor-mortgages) — Explore how lenders assess contract income, including day rates, contract history and gaps between roles. The guide sets out the evidence borrowers may need. — Written by an adviser at Mortgage Lane · 3 Jul 2026 · 5 min[Read more about Contractor mortgages](https://mortgagelane.com/guides/residential/contractor-mortgages) - [2026](https://mortgagelane.com/guides/residential/mortgage-on-new-build-off-plan)[Mortgage on new build off plan](https://mortgagelane.com/guides/residential/mortgage-on-new-build-off-plan) — An off-plan purchase brings construction dates and mortgage offer expiry into the same decision. Explore valuations, delays, deposits and completion requirements. — Written by an adviser at Mortgage Lane · 3 Jul 2026 · 4 min[Read more about Mortgage on new build off plan](https://mortgagelane.com/guides/residential/mortgage-on-new-build-off-plan) - [2026](https://mortgagelane.com/guides/residential/first-time-buyer-mortgage)[First time buyer mortgage](https://mortgagelane.com/guides/residential/first-time-buyer-mortgage) — Explore deposits, affordability, credit history and the schemes discussed in the guide. It also covers the application process and costs beyond the deposit. — Written by an adviser at Mortgage Lane · 3 Jul 2026 · 3 min[Read more about First time buyer mortgage](https://mortgagelane.com/guides/residential/first-time-buyer-mortgage) ## Talk it through with an adviser Twenty minutes on the phone is usually enough to tell you what is realistic. Published: 2026-10-01 Last reviewed: 2026-10-08 Source: https://mortgagelane.com/guides/residential-topics