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If you're buying your first property, then you are considered as first-time buyer.
Buy to lets are for landlords who buy property to rent it out.
Contractors can access mortgages, the same as everyone else.
A mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
The government set up the help to buy scheme to help first time buyers, those looking to move into their home or purchase residential property.
A portfolio mortgage is a loan which is originated by a lender who then holds those loans in their investment portfolio rather than selling on the secondary market.
A commercial mortgage is mortgage loan secured on a commercial property, such as a shopping centre, office building, apartment complex or industrial warehouse.