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Read MoreMortgages in Czech republic for Expats
It is difficult to arrange a mortgage even for a native Czech, not to mention a foreigner who does not fully understand the Czech language, complex financial terms and most bank employees do not speak English.
As a financial advisor I eliminate all these problems making the mortgage process a pleasant experience for you.
What Can We Help You With?
1.) Comparison of Banks - we compare offers from the entire mortgage market and make mortgage calculations for our clients in order to negotiate the lowest possible rate.
2.) Handling Entire Mortgage Process - since the vast majority of bank employees do not speak English at a level that would allow them to handle a mortgage with English-speaking clients, we represent clients and handle the entire process from application to drawdown.
3.) Assistance With Property Inspections - the inspection of the property being purchased is a very important part of the whole process, but it often happens that real estate agents do not speak English and the expat cannot ask about essential things. That's why we go with our clients to viewings and translate.
4.) Lots of Other Things - We also handle land registry process, check the property for legal issues or a bad technical state and so much more!
What we've been through?
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Clients
we have helped with mortgage
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Milions of CZK
fullfiled volume of mortgages in 2024
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Years of Experience
with mortgage processing
FAQ
Frequently Asked Questions
- Do I need permanent residency to get a mortgage?
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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?
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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?
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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?
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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?
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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.
Use our mortgage calculator!
This calculator will calculate not just the monthly repayment, but also approximate net income you need to have in order to afford a certain mortgage.
Mortgage Calculator
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.
Still Having Questions?
Need Some Help?
Whether you’re stuck or just want some tips on where to start, hit up with our experts anytime.
Contact Us Soon
info@czechadvisors.cz & +420 723 599 563
