richard.ondrich@4fin.cz +420 721 606 556
Free consultation

I'll handle your mortgage. Best rate from Czech banks.

I compare offers from all major Czech banks, recommend the best one and handle the paperwork for you. The price is the same as going to the bank directly — the bank pays my commission, not you.

Get my offer +420 721 606 556
Free consultation I handle the paperwork No hidden fees
I compare offers from these banks
Česká spořitelna ČSOB Komerční banka Raiffeisenbank UniCredit Bank mBank
How it works

3 steps to your mortgage

No unnecessary meetings, no bank queues. Everything online or in person over coffee.

1

Free consultation

30 minutes online or in person. We talk about how much you want to borrow, for how long, and your situation. You leave with a clear picture.

2

Bank comparison

Within 48 hours you get an overview of offers — rates, instalments, conditions. I explain the differences and recommend the best option.

3

Your mortgage approved

Property valuation, application, bank communication, signing. You only provide the documents. Within 4–8 weeks you have your mortgage approved and ready to draw (usually through attorney escrow).

Why through an advisor

3 reasons to let me handle it

Independence

I don't have a quota from one bank. I recommend the one that's best for you.

I handle the paperwork

Valuation, application, bank communication, drawing, cadastre. You provide documents, I do the rest. Saves you your precious time.

Same price as the bank

You pay nothing for my work. The bank pays my commission. You get the same rate as walking into their branch — or better.

FAQ

Common questions

Czech banks calculate three things: DTI (total debt vs. annual income, max 8×, up to 11× if you're under 36), DSTI (monthly payment vs. net income, max 45%), and LTV (loan-to-value of the property, usually 80%, up to 90% if under 36).
Typically 20% of the property value. If you're under 36, you can go as low as 10%. Plus small fees for cadastre and possibly legal services — first property valuation is usually free.
Realistically 4–8 weeks. Free consultation and pre-approval (1–2 weeks), then valuation and bank approval (2–3 weeks), then signing. Rush cases I can speed up.
Yes. EU citizens have the same rights as Czechs. Non-EU citizens with permanent residency can also get mortgages. Non-residents can usually get a mortgage with 30–40% down payment. I handle expat mortgages regularly.
Nothing. Consultation, bank comparison and paperwork handling are all free. The bank pays my commission once you sign. You pay the same rate as walking into their branch.

Let's start today. By next week you can know the price.

Free, no-strings consultation — I'll get back within 24 hours. No prep needed, just show up.

Get a no-strings quote Book online