A residential mortgage is a large long term loan taken out by one or more individuals to buy a home to live in.... Depending on what is best for your circumstances you can chose between fixed rate, variable or tracker mortgages.
The general idea is to make up the value of the property with a combination of an up-front cash deposit and a mortgage loan which you then pay back in monthly instalments over an agreed term with interest added.
Residential mortgages can only be taken out on a house being used as the borrower's residence; if you're using a property for commercial purposes (i.e. letting), you'll need a different kind of loan, like a Buy-To-Let mortgage.
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