This study aims to demonstrate that the mortgage market will experience a significant decline in the coming years, coinciding with the integration of Generation Z. Born after 2000, Generation Z is expected to drive significant societal changes. The quantitative and economic data presented in this article indicate that the generation born in the late twentieth and early twenty-first centuries is likely to move away from traditional mortgage models. The demographic trend toward declining population growth, particularly evident in Spain with one of the lowest global birth rates at 1.16 children per woman in 2023, has significant implications for future generations. With inheritance rates reaching record highs, Generation Z may not be required to divide their parents’ inheritance, especially considering that many parents now own multiple properties. Consequently, this shift in wealth distribution is expected to reinforce the existing trend among younger generations to avoid long-term mortgages.