The same advice applies to mortgages as to a house or apartment: the best option depends on your needs and financial situation. Young families often want financial stability and choose an interest rate that will remain unchanged over a long period. By contrast, those planning to move following retirement will choose a mortgage product with a shorter term. Unlike many banks, certain pension funds and insurance companies also offer mortgages that allow more flexibility in terms of early cancellation, amortisation or early extension (including during the term). Our advisors would be happy to share suitable solutions with you.