I am now inside a process that I usually explain to clients from the outside: I am selling my own apartment so I can move to central Tallinn, and I will need to add a smaller loan for the difference.

That is why I read Euribor news not only as a broker, but also as a person who will need bank approval in the coming months.

On 23 July, the European Central Bank left interest rates unchanged. Still, the market is watching September closely, because expectations about future decisions often move Euribor before the decision itself is made.

Current Euribor values can be checked at https://www.euribor-rates.eu/en/. It is easy to mix different Euribor maturities in conversation, but the difference matters. In late July 2026, one-month Euribor was clearly below 2.9-3%, while 12-month Euribor, according to Bank of Finland data, was close to that area.

For me, the practical issue is simple. Of course I can go to the bank and apply as a self-employed person. But in that case the bank usually reviews a longer history: my personal income history and the history of the company paying my salary, not only the standard last six months.

That is why my order of action is simple: first I prepare and list my apartment, then wait for a real buyer, and only after that look at the next purchase and the additional loan. The conversation with the bank will then have clearer inputs.

I do not need the maximum loan the bank might theoretically give. I need a specific additional amount, roughly 50-70 thousand euros, on top of what the current apartment sale brings.

Higher Euribor most often affects the final mortgage rate, because it is part of the formula. Sometimes banks offer fixed rates or other terms, but that is a separate scenario rather than something to rely on by default.

The actual terms must be checked with banks at the time of application. The final rate, margin, possibility of fixing and other details depend on the bank, the client and the market situation.

For buyers who can already apply for a loan, the question is different: fix conditions now or wait and see how banks react to the next ECB decision. There is no universal answer. The decision should be based on actual bank offers.

There is also the seller’s side. When buyers feel uncertain about rates, some postpone decisions. A sale can take longer, and negotiations become stricter.

I see this as the seller of my own apartment too. A reasonable strategy is a realistic price from the beginning, not an inflated starting point that later has to be cut under pressure.

My practical conclusion is simple: I should not guess what Euribor will do next month. I should prepare and list my apartment properly and quickly. The earlier I have clarity on the sale, the calmer the next purchase and bank talks will be.

I am not a financial adviser and I do not guarantee rates. This does not replace a conversation with your bank. But as a broker who is now going through her own sale and purchase, I can say this: a clear order of action matters more than panic around headlines.