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Warning, changing jobs during a process can block a mortgage that a debt-to-income ratio of 28% would approve
Business

Warning, changing jobs during a process can block a mortgage that a debt-to-income ratio of 28% would approve

SAPO Notícias12 September 2026 at 11:00

There is a recurring situation that frequently affects people with mortgage applications in progress. When they receive a better job offer and decide to accept it, they discover weeks later that the bank has decided to halt the mortgage process.

This situation occurs every month and, according to the article, almost nobody anticipates it. The consequences of changing jobs during the process can be significant for the mortgage applicant.

The article mentions that there is a debt-to-income ratio of 28% that would approve the mortgage, suggesting that, without the job change, the process would have a chance of being approved. The debt-to-income ratio is an indicator that banks use to assess the borrower's repayment capacity.

The situation is explained by ComparaJá, a financial services comparison platform, which warns about this scenario that can block a mortgage that would otherwise be approved.

Why this matters

This situation is relevant for readers in Portugal who are considering changing jobs while having a mortgage application in progress. The article warns about a concrete risk that can delay or prevent the purchase of a home, affecting anyone in the country going through the mortgage process. This is a common practice among Portuguese banks that many consumers are unaware of.

About this summary

This is our short summary of a report published by SAPO Notícias on 12 September 2026 at 11:00; the full text stays with the publisher. In our feed it sits under Business. We currently carry 21922 items in that section.

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