Mortgage types compared

Which mortgage type fits you? Below you can read how each one works, the pros and cons, and who it usually suits.

At a glance

Mortgage type	Monthly payments	Repayment	Usually suits
Annuity mortgage	Stable gross monthly payment	Fully repaid in 30 years	First-time buyers and most buyers
Linear mortgage	High at first, then decreasing	Fully repaid in 30 years	People who want to repay faster
Interest-only mortgage	Interest only	No mandatory repayment	Limited share, mostly when refinancing
Savings or investment mortgage	Interest plus deposit	At the end of the term	Existing mortgages from before 2013

This overview is general information and not personal advice.

Mortgage types

How does a Dutch annuity mortgage (annuïteitenhypotheek) work, how do gross and net monthly payments develop, and who might it suit?

Mortgage types

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Mortgage types

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Mortgage types

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Mortgage types

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