Why Work With Us Instead of Going Directly to a Bank?
You’ve decided to buy a property in the Czech Republic — congratulations! The next big step is financing it. Many people ask:
“Why should I work with a mortgage broker? Can’t I just go to the bank myself?”
The short answer: you absolutely can. But going to one bank means you see only one option — and you do all the work yourself.
Working with us means you see the whole market, you get better conditions, and you have professional support throughout the process.
Here’s why our clients choose us — and why you’ll probably want to do the same.
1. We Compare the Entire Market, Not Just One Bank
Every bank is different.
– Some banks have stricter rules for self-employed people.
– Some banks won’t approve a loan for non-EU citizens.
– Some banks offer better rates, but only if you take extra insurance.
We know how each bank operates, which ones are open to your profile, and where you’ll get the best conditions.
Bonus: Because of the volume of mortgages we process, we can often negotiate better rates than you’d get as a private individual walking into the branch.
With us, you don’t have to guess. You get the best deal the market has to offer.
2. It’s Not Just About the Rate — It’s About Better Conditions Overall
Most people think the main benefit of a broker is a lower rate. That’s only part of it. We also help you negotiate:
– Lower or even zero fees for loan approval and administration
– More flexible repayment terms (including free extra repayments)
– Lower costs on mandatory life insurance, if required
– Smarter loan structures (e.g., fixed vs. floating, loan split into tranches)
– Shorter approval times, because we know how to push your file through
And it doesn’t stop after you get your mortgage — we monitor your loan and help you reduce your rate again in the future if the market improves.
3. Full-Service Support From Start to Finish
Getting a mortgage in a foreign country can be intimidating — especially if you don’t speak the language or understand local rules.
When you work with us, you don’t need to worry about the small print.
We help you:
– Understand which documents you need and when
– Guide you through every stage of the application
– Communicate with banks, sellers, and real estate agents on your behalf
– Translate and explain every important document
– Make sure your timeline works smoothly — especially with reservation contracts or seller deadlines
– Flag potential problems early and solve them before they delay your purchase
You get professional guidance from the first consultation until the keys are in your hand — and beyond.
4. All Documents Explained, All Questions Answered
Mortgages come with a lot of paperwork, legal jargon, and financial terms. Czech banks often don’t provide English translations or clear explanations.
With us:
– You’ll have everything explained in plain English
– We provide summaries and walkthroughs of key contracts
– We join you on important bank meetings (or arrange them online)
– You’ll understand the full picture before signing anything
Our goal is simple: you should feel confident, not confused.
5. We Stay With You Even After You Buy
Banks are focused on selling products — once your mortgage is approved, you’re often on your own. We don’t work that way.
After your mortgage is set up, we:
– Monitor your rate and the market
– Remind you when it’s time to renegotiate your interest rate
– Help you refinance if better terms are available
– Answer questions about early repayments, changes in loan structure, or additional property purchases
– Remain your long-term financial partner, not a one-time transaction
Why Our Clients Recommend Us
In short:
✅ You get the best rate and best conditions
✅ You save time and avoid stress
✅ You have a personal advisor, not a random banker
✅ You always know what’s happening — in clear English
✅ You get ongoing support, even years after your purchase
Buying a property should feel exciting, not overwhelming.
We’re here to make sure of that.
Curious to see what we could do for you? Send us a quick message — no commitment, no pressure. Just clear, professional advice to help you move forward with confidence.
This article has been written by Danny Mourad
Danny Mourad
Co-founder of CzechAdvisors
We have our own dedicated Podcast for Expats!
Good Mortgage Czechia! is a podcast about the financial system of the Czech Republic specially tailored for expats living in the Czech Republic.
Specifically, we will talk about how to arrange a mortgage in the Czech Republic, what to look out for when buying a property, or how to invest your money properly so that it does not lose value in the long term.
You will be guided through the podcast by Maxmilián Rožek and Štěpán Kubeček, founders of CzechAdvisors, a financial consulting company for expats living in the Czech Republic.
Our website: https://www.czechadvisors.cz/
Starting from September 2024 there will be considerably higher fees for early repayments or refinancing of a mortgages.
How will this change affect the mortgage market in Czech republic?
If there would be some unaswered questions or you would like to talk with us, leave us a message and we’ll get back to you!
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