Financial Planning Tool

Mortgage Calculator

Enter your property price, age and down payment to calculate your mortgage

Step 1 — Property & Loan

Property Price

CZK

Annual Interest Rate

Loan Term

yrs

Step 2 — Applicant Age

Step 3 — Down Payment

Results

Monthly Payment

—

principal + interest

Total Repayment

—

over full term

Total Interest

—

cost of borrowing

Mortgage Amount

—

after down payment

I want to get this mortgage

FAQ

Frequently Asked Questions

Do I need permanent residency to get a mortgage?: No, permanent residency is not required. Having a long-term residence permit or stable income in the EU is usually enough. We’ll help you find banks that are open to your specific situation
What is the typical downpayment for foreigners?: The standard down payment is 10–20% of the purchase price. Foreigners without permanent residency may be asked to pay 20–30%, but we often negotiate better conditions depending on your profile.
What documents do I need to apply for a mortgage?: Typically: • Passport and residence card • Proof of income (salary slips, bank statements) • Employment contract or trade license • Tax returns (if self-employed) • Marital status confirmation We’ll prepare a checklist for you based on your country and job type.
How long does mortgage approval take?: Usually 2–4 weeks, depending on the bank and document complexity. We stay in direct contact with underwriters to speed up the process.
Can I combine your mortgage service with property search?: Yes — most of our clients use both services together. It saves time and avoids mistakes, since we manage the entire process from financing to signing the purchase contract.

What Can You Except If You Decide To Cooperate With Us?

1. Consultation and Analysis

We start with consultation where we listen to your needs and gather all the necessary information, followed by a complex analysis.

2. Search for your New Home

Based on your requirements we will search for a properties that match your requests and arrange viewings with the selles so you can go and take a look at the property with your own eyes.

3. Reservation of the Property

If we find a property that you love we will reserve the property for you so we have enough time to process mortgage and the seller cannot sell it to somebody else.

4. Processing of Mortgage

We will translate all the necessary documents for you and prepare them for the bank in such a way that everything goes smoothly. We are able to approve your mortgage within 10 days on average.

5. Mortgage Drawdown

Lein contracts, land registry or documents for drawdown? All handled by us with your direct supervision. No need to speak to a Czech speaking bank branch workers or govermental office clerks.

6. We don’t stop here

Even after you are living in your new property we still care for a long-term cooperation with our clients so even after you have the keys of your new home we will help you get a better interest rate as the time goes on, support you in case you need some money for renovation etc.

Non-binding Calculation

Wondering If You Can Get a Mortgage?

Fill out this short form and one of our english-speaking advisors will reach to you in no longer than 24 hours with calculation from all of the banks.