How to prepare your finances for a mortgage in 2026?

Most people begin the buying process by browsing apartment listings and only start thinking about finances after they have found their ideal home. This is a mistake that can result in a bank refusal or poorer loan terms. Six months before a planned purchase is the perfect time for a financial makeover. During this period, you should primarily focus on checking your own BIK (Credit Information Bureau) report, which will allow for the early detection and clearing of any errors or forgotten arrears.

Major Account Cleaning and Limit Stabilization

A key step is to conduct an analysis of all active liabilities that may burden the household budget. For a bank, it is not just the level of earnings that matters, but above all the amount of free funds remaining at your disposal. Therefore, it is worth reducing or completely closing credit cards. This is especially important if you do not use them, as the bank deducts a few percent of their total limit from your creditworthiness.

See also: Mortgage refinancing – what is it and what is it for?

You should also opt out of popular buy-now-pay-later services, which are visible in your history and treated as active debt. Paying off small installments for a phone or laptop before submitting a mortgage application will allow you to unburden your monthly financial balance as much as possible.

Income Stabilization and Expense Analysis Before the Application

Banks value predictability, which is why you should avoid professional revolutions six months before a transaction. Changing jobs during this period may involve having to wait several months before the new income is accepted by the financial institution.

See also: 5 Common mortgage myths you should stop believing

Equally important is what can be seen on your bank statements from recent months. Banks are increasingly analyzing the lifestyle of their clients, so it is worth avoiding expenses considered risky. Examples include quick non-bank loans. A transparent history of inflows and systematically building a financial cushion for the down payment and transaction costs is the best path to obtaining a loan on favorable terms.

Expert Support at the Home Stretch

Instead of waiting until you find your dream home, it is worth consulting a financial expert as early as the planning stage. A specialist will help prepare a financial recovery plan and precisely calculate your real creditworthiness, taking current banking criteria into account. As a result, once you find your ideal property, the entire formal process will run smoothly and without unnecessary stress.

Our financial experts are at your disposal to guide you through these preparations step by step and ensure the security of your transaction.