This is how you choose the best type of mortgage in 2026

Taking out a mortgage is (sort of) easy. Choosing the right mortgage is where most people get stuck. In 2026, there are three popular mortgage types that almost everyone considers. Each type has pros and cons. In this blog, we provide more information about which mortgage type best suits your situation.

Annuity Mortgage
With an annuity mortgage, you pay the same amount every month. Initially mainly interest, later mainly principal repayment.

Advantages
Low monthly payments at the start and fairly consistent over the entire term. Clear and the most popular choice among first-time buyers.

Disadvantages
Over the entire term, you pay more interest than with a linear mortgage, for example. And you repay very little principal in the beginning.

For whom in 2026?
Anyone who does not want excessively high monthly payments, but still wants to make principal repayments.

Linear Mortgage
With a linear mortgage, you repay the same amount every month, causing your monthly payments to decrease from the start.

Advantages
Lower total interest costs over the term. Monthly payments decrease every year, and this form is financially very reassuring because you know you are paying off the principal diligently.

Disadvantages
High costs in the first few years, making it often less suitable for first-time buyers.

For whom in 2026?
People with a stable or high income that may decrease later. And who therefore want to pay off a large amount at the beginning.

Interest-only mortgage (partially)
With an interest-only mortgage, you only pay interest on a portion of the mortgage.

Advantages
Lowest monthly payments and therefore more financial breathing room. You remain flexible because you have no repayment obligation.

Disadvantages
You do not make any repayments and risk a residual debt if the property value falls and you want or need to sell. Note: you do not receive mortgage interest deduction with an interest-only mortgage.

For whom in 2026?
Movers with equity or investors.

How do you choose the best mortgage type in 2026?
Ask yourself the following three questions to find out which mortgage type best suits your situation in 2026.

1. How important are stable monthly payments?

→ Annuity.

2. Do you want to pay off as soon as possible? → Linear.
3. Do you have equity and want low monthly payments?

→ Consider a partially interest-only mortgage.

Free mortgage conThere are three popular types of mortgages. How do you choose a mortgage type that best suits your situation?sultation
The best mortgage type is often a combination of factors and depends entirely on your situation. Feel free to schedule a free consultation with our mortgage advisors to clarify this.