We are approaching the end of the year and we can see that the housing market remains solid with strong property sales. However, the current inertia in the decision banking process is likely to continue due to the SARS-CoV 2 and strict risk policies, which did not exist before. Despite all this, some banks continue to take good client’s files with enthusiasm. Furthermore, in some of them, we noticed in December a rate cut of 0.1 on the Euro currency. Early in the year and based upon our analysis, a two-tier intervention policy will probably persist : while banks will fight for winning good to very good customers, clients with average or poor credit profile will be neglected, thus limiting access to loans for some of them! Structuring financial projects for home purchase by a mortgage expert therefore remains essential to reach a loan agreement. For more information, please call us using our contact form