Mortgage securities like mortgage bonds and mortgage-backed securities are important for financing mortgage loans in the European Union. Different banks use different methods to fund their mortgage activities, with some using deposits and others issuing mortgage securities. These securities play a significant role in the EU mortgage market, with over a quarter of credit activities being financed by them. They meet the needs of creditors in various ways and are seen as alternative or complementary sources of finance. Both mortgage bonds and mortgage-backed securities are expected to continue being key sources of funding for mortgage activities in the future.