How to manage bank statements when saving for a mortgage?

Budgeting

Hi all,

So currently I have just over 10k saved right now

Make roughly 60k per year

Saving €1000 p/m

Hoping to apply for a mortgage in maybe 10-14 months or so

I understand bank statements should be clean, but to what extent?

Would getting a Costa coffee twice a week or lunch each day, or a few subscriptions be looked at negatively?

Some people say it's grand others say to just take out cash and only have your direct debits and savings showing on all your accounts.

I want to make sure my statements are all in good order for when I'm going for my mortgage

Any help is appreciated

Posted Feb 11, 2026, 10:21 PM UTC

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