My offer
Who this is for
You are arranging your first mortgage and want to know what you can realistically afford.
You are considering refinancing and want to compare offers in good time before your fixed rate expires.
You are buying an investment flat/house and need to compare yield vs. costs.
You need 100% financing or a top-up loan – and want to know the safe path forward.
Analysis
What I handle for you
Budget and LTV analysis: safe debt framework, reserve, and cash flow.
Comparison of 2-5 banks: interest rate, APR, fees, conditions (income, collateral).
Negotiating terms: rate, discounts, amendments, penalties, and fees.
Paperwork and deadlines: contracts, drawdown, land registry, assignment, insurance.
Follow-up cover: property and income insurance, so you are protected "if something happens".
3 clear steps
How it works
– we go through your goals and options (30 min, online/in person).
– you receive a bank comparison plus recommended options.
– we handle the administration, I watch over the milestones and hand over a drawdown checklist.
Solution proposal
What you get from me
Bank comparison table: clear and readable + notes on the "catches"
Signing and drawdown checklist: who/what/when
Phone support: at signing and drawdown – you are not alone
Post-drawdown service: monitoring your fixed rate, options for extra repayments
FAQ
Frequently asked questions
Is 100% financing possible?
It depends on income, the value of the collateral, and overall risk. I will explain safe options (e.g. a combination of mortgage, collateral, and own funds).
When does refinancing make sense?
Start looking 3–6 months before your fixed rate expires. I will prepare a comparison and we will calculate the real benefit after all costs.
What if I am on probation, a fixed-term contract, or self-employed?
We can handle it – we will assess your income type (employment / sole trader / Ltd.), history, and alternative documentation.
How large a reserve should I keep?
The goal is for the mortgage not to threaten your everyday life. I will recommend a reserve and set up insurance cover so everything makes financial sense.
How much do your services cost?
The initial consultation is free. I always explain my fee upfront – usually in the form of a commission from the provider; for you typically no direct payment
Do you work outside Hradec Králové?
Yes, online across the whole of Czech Republic, in person by arrangement.
