Many people do not have enough money to buy a house, which is why they often take out a mortgage from a bank. A mortgage is simply a loan, but a special type of loan where the house acts as collateral. The interest you pay on it is deductible in the Netherlands. For mortgages taken out on or after January 1, 2013, repayment is required to obtain this mortgage interest deduction. There are many different types of mortgages. It’s good to understand the various options and their conditions before taking out the loan. It’s wise to familiarize yourself with them before consulting a mortgage advisor. This prepares you for the conversation and allows you to ask the right questions.