Download the report to see how lenders can stay ahead in Europe’s evolving mortgage market.
The European mortgage market enters 2026 at a turning point. Lending volumes are recovering as monetary conditions ease, but affordability remains strained and underwriting complexity continues to rise across European markets.
For lenders, the challenge has shifted from growth to execution. While front-end digitisation improved customer experience, the decision core of mortgage origination remains largely manual. As volumes return, underwriting teams face mounting pressure from talent scarcity, regulatory demands, and an increasing share of non-standard cases.
This report shows how intelligent mortgage operations can unlock the next efficiency gains. By combining document automation, policy intelligence, and AI-supported decision workflows under strong governance, lenders can reduce time-to-yes, scale expert judgment, and build more resilient operating models.
A pragmatic, compliance-first roadmap illustrates how these capabilities can be implemented within 12–24 months — helping lenders stay competitive in a market where speed, consistency, and trust increasingly define success.
