The Expat Mortgage Experts in Czechia
MORTGAGE FOR EVERY SITUATION
WE WORK WITH EVERY EXPAT
We compare offers from all leading financial institutions on the market. 🤝
Calculate your mortgage payment and see how much you can borrow. We compare offers from all Czech banks, find the best deal and handle the entire process — free of charge.
You’re not alone in finding the best mortgage.
Fill in the form and our English-speaking specialist will contact you.
You will be contacted by Zbyněk Prim, EFP
Expat Mortgage Specialist · Speaks fluent English
We match you with banks based on your residency status and income type — no guessing, no wasted applications.
We handle documents, communication, and deadlines — all in Czech, so you don't have to. You just provide the basics and always know what's next.
Our entire process runs online — no matter where in Czechia you live or buy.
Our advisors hold prestigious EFP, EFA and PFP certifications — the highest standard in European financial advisory.
We know exactly what banks want to see from expats. You get a clear document checklist and guidance on what matters most.
Our service is free for you. We're paid by the banks, so you pay nothing and stay fully in control of costs.
Yes. EU citizens can apply with no restrictions. Non-EU residents need a valid residence permit — temporary or permanent. We'll assess your eligibility in the first call and tell you which banks are the best fit.
Not at all. Czech banks accept foreign-currency income. They typically apply a 10–20% reduction to account for exchange rate risk. We calculate your real borrowing power upfront so there are no surprises.
Typically: passport, residence permit, employment contract or business license, salary confirmations or tax returns, and bank statements for the last 3–12 months. Some banks require certified Czech translations — we'll tell you exactly what's needed for your situation.
Yes. A short Czech credit history is not a dealbreaker. What matters most is stable income, valid residency, and clean records. We know which banks are flexible with expat applications and which aren't — so you don't waste time on the wrong ones.
Yes, but you'll generally need at least 6–12 months of Czech tax history. Banks assess self-employed income differently depending on your tax regime. We specialize in this and will recommend the right bank and approach for your setup.
Currently around 4.2–5.0%, depending on the bank, loan amount, and your financial profile. Being a foreigner does not mean a higher rate — the same conditions apply. We regularly secure rates below market average for our clients.
Most banks require a Czech account for mortgage payments. If you don't have one yet, we can recommend the best options and help you get set up quickly.
Typically 4–8 weeks from application to approval. The timeline depends on how quickly you gather documents and the bank's processing speed. With our team handling paperwork and communication, it's usually faster than going alone.
Yes. Our service is completely free for you. We are paid by the banks as a commission when your mortgage is approved. You pay nothing — no hidden fees, no surprises.
All communication with our team is in English. We handle all Czech-language communication with banks, notaries, and the land registry on your behalf. The only documents you'll need to sign will be explained to you in detail before signing.
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We arrange consumer loans as a tied agent registered with the Czech National Bank (ČNB) under ID: 73953750, operating under the independent consumer loan intermediary ZFP akademie, a.s., ID: 26304805.
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