Cash-back mortgages: When you purchase the house, you receive a lump sum from the lender to pay some costs like stamp duty, and to help with furniture and furnishings.

Mortgages based on parents’ residual borrowing capacity:
Where you can borrow more because your parents can help you with the payments.

Guarantor mortgages: Where your parents will pay your mortgage payments if you can’t.

Family offset: Where your family’s savings interest is offset against your mortgage interest.

Graduate and professional mortgages: Higher amounts lent to those who are judged to have careers, meaning they will increase their earnings significantly.

High Loan-to Value: Lenders might lend up to 100% of the value of the property, meaning you start with no equity in the property adn could possibly face negative equity if property values decrease. These mortgages are only available to the rare few.

Joint mortgages: Where you team up with a friend or family member to borrow more, share the costs but have joint mortgage payment liability.

Shared ownership: You own part of a property, pay rent to the co-owner (usually a housing association) and get a mortgage out for the part you are buying.

Renting a room: If there’s a spare room in the house, the rental income is taken into account when deciding how much to lend to you/how easy it is for you to pay it back.

Rent to Buy: Where how much you’ve been paying for rent is taken as the amount you can afford to pay back with a mortgage. It demonstrates affordability.

Extended terms: When you start out with a repayment term of up to 40 years. It makes the monthly payments more affordable but you would pay a lot more interest overall if you didn’t shorten the term at some point.

Shared Equity: Where in exchange for a mortgage and a top up loan with which to buy a first home, you would have to forfeit some of the increase in value of your property to the lender when you sell it.