You deserve the best mortgage terms. We will negotiate them for you, saving you time and money.

Current lowest mortgages start at rate 1.29% and entirely free of charge.

We state actual bank rates, we are able to negotiate better terms.

We guarantee you the best current terms with all mortgage banks.

Call us on +420 775 115 118
or please send a question

About us

The Hypotecnikalkulacka.cz project aims, to the maximum extent possible, to inform mortgage loan applicants about the pros and cons of various mortgage products available on the market today. We want to contribute towards making available all information related to the given mortgage products, thereby facilitating decisions in such an important stage of life as a mortgage.

We have created a service that offers the most advantageous mortgages to all those interested in our service. We negotiate not only a lower interest rate, but also, in most cases, provide better other conditions for mortgages.

The demand is non-binding and only certified and the most experienced mortgage brokers from the whole market will work for you. Right selection of our brokers is very important to us and that reflects in the quality of our services. Now it is up to you.

All our services are free, therefore you can profit only! And no matter whether you already had got an offer from bank we are always looking for solutions that are best for the client.

  • 5 years in the field
  • Our rates are below the average

Wondering why we do things differently?

This is not about increasing sales or to gain greater share of the overall market. It is only about the quality of our services for users. Our brokers must enjoy their work, because we believe that only then we are able to provide really the best services without compromise. As a result this honest approach will bring the success to everyone.

We hope that you’ll be able to feel our vision and sense for good work from provided services.

We will do our best to negotiate the best mortgage offer for you.

Testimonials

I would like to thank you for your excellent cooperation when arranging a mortgage to buy our house. I was rather a difficult case for the bank, therefore I regard the approval of the loan a job well done. I must admit that when the real estate agent described you as 'a pike in the financial waters,' she was not exaggerating in the least.

After many years of experience with banks you were the first person who was not only helpful and friendly, but most importantly, kept his word. I will turn to you again with confidence when dealing with other financial issues. Wishing you many satisfied clients and more success in your work.

MVDr. Ivana Jelenová, Jedovnice.

Frequently asked questions

  • How long does it take to approve my application?

    A valuation of the property usually takes the longest. If you already have the valuation, we can arrange for an approval even within 3-5 working days.

  • I am 49 years old. Is it possible to obtain a mortgage?

    Yes, the sum of your age and the length of repayment must be a maximum 75 years. It is also necessary to meet the condition of productivity until the 75th year of life. Then the maturity period could be up to 26 years. For a longer maturity period you would need to apply jointly with a younger person.

  • How much will I pay for your services?

    Nothing at all. All services are offered to our clients free of charge. We receive commissions from banks, and due to the large amount of processed mortgage loans we are able to negotiate more favourable terms for our clients. This way banks save considerable administration and processing costs and we can transfer these savings to our clients.

We compare the offers of all mortgage banks in the Czech Republic for you

ČSOB
Česka Spořitelna
Equabank
Raiffeisen bank
Wüstenrot
Hypoteční banka
MONETA Money bank
Oberbank
Sberbank
Expobank
mBank
Unicredit Bank
Komerční banka
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