Summer is approaching, and so are the long-awaited holidays! But if you're planning to buy a property in the coming months, this period can also be an excellent time to anticipate and organize your mortgage project. Here's how to make the most of this quieter time to get ahead with confidence.
📅 1. Summer: a slower but strategic period
July and August are often associated with a slowdown in banking and notarial activities. Many professionals are on holiday, which can lead to longer response times and delays in processing files. However, this period is also less busy for real estate visits and may offer opportunities to buyers who are well prepared.
📂 2. Start preparing your file now
Before going on holiday, take the time to gather your documents:
- Recent payslips
- Last tax return
- Bank statements
- Proof of savings or equity
- Draft or signed sales agreement, if applicable
This will allow your broker to start the analysis and pre-qualification, even before you return.
📈 3. Simulate and refine your budget
Take advantage of this quieter period to refine your borrowing capacity. Our team can help you calculate your debt ratio, analyze your income and expenses, and define a realistic budget including notary fees and administrative costs.
📞 4. Stay reachable or delegate
If you're leaving for vacation, make sure you remain reachable by phone or email in case your broker or bank needs an urgent document or response. Alternatively, you can give a trusted person a power of attorney for certain formalities.
✅ Why work with MORTGAGE.LU?
- ✅ Personalized support, even during summer
- ✅ Access to over 8 banking partners
- ✅ Anticipation of delays and realistic planning
- ✅ Peace of mind during your vacation!
🧩 Conclusion
Don't let summer holidays delay your mortgage project. With good planning and the support of MORTGAGE.LU, you can use this time to prepare calmly and take a lead over future buyers. Contact us now for a free pre-analysis and set off on vacation with peace of mind!
