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Mortgages and Loans

Are you looking to secure a mortgage that aligns with your financial needs? Our team at Czechia Brokers specializes in personalized mortgage solutions to help you achieve your homeownership dreams. Whether you're buying your first property or refinancing an existing mortgage, we're here to make the process smooth and transparent. Whether you are from the EU or other parts of the world, we are here to assist you in your journey to home ownership.

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Free Broker Services

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Seamless Process & Paperwork

Leave the Complexity to Us: We Guide You Through Every Step of Your Loan Journey.

How It Works?

Getting started is a breeze!

We're here to make mortgages and loans simple and straightforward. Just leave us your contact details, and one of our friendly experts will reach out to chat about your needs.

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Let's Have a Chat

We'll kick things off with a short chat—over coffee, phone, or online, whatever suits you best. Tell us what you're looking for, and we'll get a feel for how we can help.

Your Personalized Plan

Once we understand your needs, we'll create a plan that works for you. Whether it's a mortgage or other financing, we'll make everything clear and find the best option available.

Application & Approval

When you're happy with the plan, we'll take care of the application. From paperwork to negotiations with banks, real estate agents, or notaries, we handle the details so you can relax.

Types of Mortgages We Offer

First-Time Homebuyer Mortgages: Get assistance with every step of buying your first home, from understanding mortgage rates to finding a loan that fits your budget.
Refinancing Options: Looking to adjust your mortgage terms or interest rate? Our refinancing options allow you to optimize your current mortgage.
Mortgages for Foreigners: Need help navigating the Czech mortgage market as a foreign resident? We specialize in guiding non-Czech citizens through local financing solutions.

Leverage Our Experiences

Jan Řezanka

Senior Financial Broker

Each year, we secure over 1 billion CZK in mortgages for our clients from the EU and beyond. We handle the complex details, making the Czech mortgage process clear and stress-free—from our first chat to handing over the keys.

Simple Mortgage Process with Personalized Support

With Czechia Brokers, mortgage application is a straightforward process. We handle the paperwork and provide full transparency at each stage, ensuring you understand all terms and costs involved. Our mission is to make mortgage applications efficient, understandable, and stress-free, so you can focus on finding your ideal home.

Mortgage for Foreigners in the Czech Republic

Choosing the right mortgage can be a daunting task, especially for foreigners unfamiliar with the Czech Republic's financial landscape. This is where the value of using Czechia Brokers' services comes to light. Our team is adept at simplifying the complex and often overwhelming process of securing a mortgage in the Czech Republic. We manage all the necessary paperwork, monitor and compare the entire market, ensuring that you get the best rates and terms available for both mortgages and loans, helping you make an informed choice that truly suits your needs.

Overall, our goal is to make the process of securing a mortgage for foreigners in the Czech Republic as smooth and stress-free as possible. We guide you through each step, ensuring you understand every aspect of your mortgage agreement. With Czechia Brokers, you're not just getting a mortgage; you're getting a partner dedicated to helping you achieve your dream of homeownership in the Czech Republic.

Ready to Explore Your Mortgage Options?

Take the first step toward your new home today. Contact us to discuss mortgage solutions tailored just for you. With competitive rates and expert support, we're here to turn your property goals into reality.

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Frequently Asked Questions

Yes! Non-EU citizens can apply for a mortgage in the Czech Republic. However, the process may be more complex, and additional documentation may be required to prove your financial stability and eligibility for a mortgage.

Yes, it is possible to obtain a mortgage in the Czech Republic without a local employer, as long as you have a stable income from abroad. However, some lenders may have stricter requirements for foreigners without a Czech income source.

Mortgage interest rates in the Czech Republic can vary depending on the type of mortgage, your credit history, and market conditions. Generally, you can expect interest rates to range from 4 % to 7 % for fixed-rate mortgages and slightly higher for variable-rate mortgages.

We will guide you through the entire process, manage the paperwork, and negotiate with lenders on your behalf. Our goal is to make the mortgage application process as smooth and stress-free as possible for you.

The mortgage application process in the Czech Republic can take anywhere from a few weeks to a few months, depending on the lender and the complexity of your application. It's essential to be prepared with all the required documentation to ensure a smooth process.

It's highly recommended to have a valid residency permit or long-term visa when applying for a mortgage in the Czech Republic. Some lenders may accept applications without these documents, but your chances of approval will be significantly lower.

Want to find out more? Check out our mortgage calculator to see indicative rates or our Comprehensive Guide to Mortgages for Expats in the Czech Republic.