Mortgage

Purchasing a home
without worries

For living or as an investment. We will take care of the strategy, administration, and negotiating better terms with banks. We will explore your options and help you decide whether this is the right step.

Mortgage
Josef Dvořák
Jiří Mánek
Simona Lukešová
Lukáš Hulínský
Martina Gabrielová

Choose from our consultants.

The hardest part of arranging a mortgage is finding an interest rate that won't upset your financial budget. Choose your family partner from our consultants to help you with this.

How does the mortgage process work with us?

Step by step to your new mortgage – we will take care of everything for you.

The first meeting is all about you. We want to know what is important to you, what you expect from your future home or investment, and what your financial options are. We will show you how we can tailor a mortgage to your needs, and together we will set priorities.

Added value:

  • Honest communication: we will openly discuss all questions and possibilities.
  • A clear vision: we will set common priorities and mortgage goals.

We know where to go to get the bank to approve your dream property. We negotiate fair terms, protect you from unnecessary products, and provide a strategy that will allow you to easily manage your mortgage and even pay it off early. The interest rate is only part of the story.

Added value:

  • Strategy: everything from fixation to contractual terms is designed to be beneficial in the long term.
  • Protection: we help you avoid unnecessary costs and unfavorable offers.

What we look out for on your behalf:

  • Bank terms and conditions for drawing funds.
  • Additional fees.
  • Repayment strategy and ratio of own resources contributed.
  • Possible sale of other bank products.

Based on your needs, we will prepare a comparison of banking offers and negotiate the best possible terms for you. Our goal is to obtain the most advantageous solution for you, one that will be stable in the long term.

Added value:

  • Analysis and comparison: you get an overview and comparison of options so you know you're getting the best.
  • Vyjednávání podmínek: vyjednáme 
s bankami ty nejvýhodnější podmínky pro vás.

Experience: Every bank has its own target group of mortgages and clients. We can identify which one is right for you.

We take care of all the paperwork and documentation, communicate with the bank, and make sure everything goes according to plan. We communicate with the seller or brokers. We free up your time so you can focus on the important things—like choosing a new kitchen.

Added value:

  • No worries: leave the administrative burden to us.
  • Supervision of the entire process: we monitor deadlines, documents, and compliance with conditions.

What to watch out for:

  • Approved conditions for drawing funds and deadlines for signatures.
  • Setting the terms and conditions of purchase agreements.

Our work does not end with the signing of the mortgage. We monitor the end of the fixed-rate period, recommend refinancing if it is advantageous, and advise you on any changes you may need during the term of the mortgage.

Added value:

  • Long-term service: we are with you throughout the entire term of your mortgage.
  • Timely recommendations for changes: we monitor your loan so that you always have the best terms.

What to watch out for:

  • Approaching end of fixation and refinancing conditions.
  • Underinsurance of real estate and other changes that may affect your mortgage.
Meeting - understanding your wishes and priorities Detailed solution preparation - More than just an interest rate Selecting the best offer - Your interests come first Mortgage implementation - We keep an eye on every detail Long-term care and service - A mortgage is just the beginning
Mortgage

Arrange a no-obligation meeting
and find out the ideal mortgage settings for you.

What does strategy mean?

We negotiate the best terms

It's not just about the rate, but about the total cost and flexibility.

We prevent costly mistakes

The client lost CZK 700,000 due to poor fixation. 
This won't happen to you.

How did this happen?

We think in context

We will monitor reserves, slower construction, and credit limits.

Simpler mortgage
thanks to interconnection.

We connect all parties involved, oversee the entire process, and save you time and worry.

Mortgage

We also can

Additional services offered

Property analysis/inspection

We conduct a detailed analysis and inspection of the property to ensure that it meets your needs.

Assistance with purchasing real estate

Price negotiations, seller verification, communication with the real estate agency.

Mortgage preparation

Consultation on options, preparation of funds, early repayment program.

Review of contracts or escrow agreements

We ensure thorough contract review and secure storage of funds through verified partners.

Frequently asked questions

Do you have questions about mortgages? We have prepared answers to the most frequently asked questions
to make everything easier and clearer for you.

You do not pay for our services at almost all banks, because the banks themselves pay us for preparing the case. There are clients for whom the best bank is one that refuses to cooperate with us. We inform the client of this in advance, before we start invoicing anything, and they can decide whether to use our services. The price for processing depends on the complexity of your case.

The mortgage processing time usually ranges from 2 to 4 weeks, depending on the complexity of the case and the speed of delivery of the necessary documents. However, with us, the entire process is as efficient as possible so that you can move forward with your plans as soon as possible.

We can find the most suitable bank for you and compare current offers, including the terms and conditions of individual institutions. We will help you identify unfavorable contractual details that you might easily overlook. Another major advantage is that we will guide you through the entire process, from A to Z, i.e., from negotiating terms and conditions, through appraisal and prescoring, to the actual drawing of the loan. We will take care of a significant part of the administration for you, communicate with the necessary parties (banks, brokers, appraisers, etc.), and keep track of deadlines for you. The benefit is that you gain a partner you can turn to even during the term of the loan—we will provide you with services such as refinancing.

Mortgage

Do you have any questions? Ask away!

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