Anyone who works in a business that sells a product or service knows the feeling of year-end. In a month, the business year will close, after which the financial reports summarizing the year will be submitted, and bonuses for those responsible for the year's success will be paid (or not).There's a sense of pressure in the air; we need to sell as much as possible in the last minute.Mortgage banks are no different from any other business. Bankers are also under pressure to sell as much as possible before the end of the year.For their part, bank managements are prepared to go further in terms of mortgage conditions to attract more customers towards the end of the year.You can take advantage of this.If you are about to take out a mortgage, you can expect that in December, banks will be more flexible in terms of conditions than in January.