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The Expat Mortgage Experts in Czechia

Best rated online mortgatege

MORTGAGE FOR EVERY SITUATION

WE WORK WITH EVERY EXPAT

Our Partners

We compare offers from all leading financial institutions on the market. 🤝

  • mBank
  • Česká spořitelna
  • UniCredit Bank
  • Raiffeisen stavební spořitelna
  • ČSOB
  • Komerční banka
  • Oberbank AG
  • Bidli
  • Modrá pyramida
  • RB
  • ČS Stavební

Today we're already helping 12 clients get a better mortgage

Average: 5.19% Data from CBA Monitor Our rate: 4.69% (0.50% lower)

Updated 8 min ago

Reviews from our clients

5.0 217 reviews

  • Martina Trudeau

    Advisor: Jakub Pluháček

    Google · 1 day ago

    The service was professional, top-notch and truly focused on finding solutions. It is clear that this team operates according to the highest standards, demonstrating expertise and precision that set them apart as the best in the industry. Special thanks go to Mr. Pluháček, whose professional and proactive approach and deep knowledge played a crucial role. His ability to tackle challenges with practical and effective steps speaks to exceptional competence and dedication. My case was very challenging, and at no point did he admit that there was no solution, for which I am very grateful.

  • Jan Halaxa

    Advisor: Šárka Navalaná

    Google · 2 days ago

    We have had nothing but the best experience with Mrs. Šárka Navalaná. She helped us with arranging a mortgage, insurance and setting up investments, all with great professionalism and a personal touch. We appreciate her patience, willingness to explain everything clearly and find the best solution for us. She was always reliable, communicative and responded quickly to our questions.

  • Michaela Sivecová

    Advisor: Jakub Pluháček

    Google · 5 days ago

    Overall we are satisfied and if you are looking for an advisor who is fast, helpful and knowledgeable about mortgages, I can wholeheartedly recommend Mr. Pluháček.

  • Dušan Čerešňák

    Advisor: Patrik Knotek

    Google · 6 days ago

    Solid approach, top-level professionalism.

  • Martin Bursík

    Advisor: Jakub Pluháček

    Google · 7 days ago

    Everything went very quickly and without any problems. Jakub Pluháček is a master in his field, he arranged a mortgage for us at the best price. I give 5/5.

  • Martin Gryc

    Advisor: Jakub Pluháček

    Google · 10 days ago

    I am very satisfied with Mr. Pluháček when arranging a mortgage. Everything was fast, clear, all questions were answered, Mr. Pluháček dedicates plenty of time to the client, and the personal meeting was also very pleasant. Keep it up, thank you.

  • Tereza Švadlenková

    Advisor: Jakub Pluháček

    Google · 2 weeks ago

    I used Mr. Pluháček's services for arranging insurance and a mortgage. He helped me choose an advantageous mortgage and took care of the arrangements on my behalf. In both cases, I was completely satisfied. He handled everything quickly and reliably, and I recommend him to everyone!

  • Ondřej Suchánek

    Advisor: Jakub Pluháček

    Google · 3 weeks ago

    Working with Mr. Pluháček on arranging a mortgage was absolutely professional and I warmly recommend it! Not only was he able to offer better terms, but he also provided a complete service including accompanying us to the appraiser and the land registry, plus obtaining all the necessary documents. Everything went smoothly and quickly.

  • Miroslav Maléř

    Advisor: Jakub Pluháček

    Google · 3 weeks ago

    The right person in the right place. Although I didn't end up using his services, he pointed me in the right direction and thanks to his valuable advice, I was able to make the right decision. So for me, thumbs up.

  • Robin Kohl

    Advisor: Jakub Pluháček

    Google · 4 weeks ago

    I am very satisfied with Mr. Pluháček, who provided me with financial advice regarding a mortgage and helped with the selection itself. He also advised me on which insurance to get. His individual and professional approach is of a high standard.

  • Jiří Vořech

    Advisor: Jakub Pluháček

    Google · 1 month ago

    Mr. Pluháček provided us with excellent services and valuable advice regarding the selection of a mortgage and property insurance. Without pressure, patiently and with a human touch. His professional approach helped us greatly and saved us time. I recommend him to everyone looking for a reliable financial advisor.

  • Michal Holoubek

    Advisor: Jakub Pluháček

    Google · 1 month ago

    I came across Mr. Pluháček by chance. He helped us choose a mortgage, a normal discussion, without pushing any particular product. The choice was entirely up to us, and he always answered all our questions in advance.

  • Veronika Filipová

    Advisor: Jakub Pluháček

    Google · 1 month ago

    We have been working with Mr. Pluháček for several years. He arranged a mortgage, life insurance, property insurance and other financial products for us. Nothing was a problem, he always carefully explained and advised us on everything.

  • Jaromír Adam

    Advisor: Jakub Pluháček

    Google · 2 months ago

    I am satisfied with Mr. Jakub Pluháček, with his expert advice and personal approach in handling my requirements. He always finds the optimal solution and is willing to arrange a personal meeting to discuss any questions at any time.

Mortgage
CALCULATOR

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.

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Monthly payment with HypoSpace
Interest rate 4.69 %
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What you'd pay at a typical Czech bank
Interest rate 5.19 %
Total cost without us
✅ Compare offers from all major Czech banks in minutes
✅ We compare rates, fees and all conditions
✅ Completely free — no obligations, no hidden costs
✅ Easy online process from the comfort of your home
🤝 EFPA-certified professionals (only 2% of Czech advisors hold this credential)
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NOT SURE WHAT DOCUMENTS YOU NEED? WE'LL CHECK FOR FREE.

Most expat mortgage applications get delayed by missing paperwork — wrong translation, outdated bank statements, or incomplete tax returns. Don't waste weeks guessing. Book a free call and we'll send you a personalized document checklist within 24 hours.

Get Your Personalized Mortgage Offer in 24 Hours

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

6 Steps to Your Best Mortgage

5 minutes
Share Basic Info

Fill in a short form about your mortgage needs - quick and simple.

2 hours+
Quick Verification

We confirm your situation — residency, income type, and key numbers to make sure it all adds up.

24 hours
Preliminary Assessment

We tell you your real options, recommend the best banks, and explain exactly what documents you'll need.

Your own pace
Your Choice

You compare offers — we explain the differences in terms and real-life impact, not just rates.

1 -2 days
Documentation

We prepare all paperwork so your application goes through smoothly — no unnecessary back-and-forth.

1 - 2 weeks
Final Approval

We communicate with the bank, complete everything, and guide your mortgage all the way to disbursement.

Why Choose Us

🎯

The Right Bank on the First Try

We match you with banks based on your residency status and income type — no guessing, no wasted applications.

😊

A Clear Process with No Runaround

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.

🇨🇿

Anywhere in Czechia — No Office Visit Needed

Our entire process runs online — no matter where in Czechia you live or buy.

🎓

EFPA-Certified Professionals

Our advisors hold prestigious EFP, EFA and PFP certifications — the highest standard in European financial advisory.

✅

Foreign Income & Tax Returns? We Know the Rules

We know exactly what banks want to see from expats. You get a clear document checklist and guidance on what matters most.

💰

No Hidden Fees

Our service is free for you. We're paid by the banks, so you pay nothing and stay fully in control of costs.

Meet Our Team

Got Questions? We've Got Answers.

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 to 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 to 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 to 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 to 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 to 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.

Some official bank contracts are in Czech by law. We'll walk you through every clause so you know exactly what you're signing.

5/5 - (16 votes)

HYPOTÉKA OD 4,79 % 🔥

✅ Srovnání hypoték ze všech bank – zdarma a nezávazně
✅ Snížení úroku o 0,5 % oproti vaši bance
✅ Zkušený tým 21 hypotečních expertů

Kontaktuje Vás Jakub Pluháček, EFA, MBA – Hypoteční specialista