Start Your Mortgage Process Now – Avoid Delays and Lock in Current Rates

Why Acting Now Makes a Real Difference

As we approach the end of the year, most banks are already entering their slowest period.
Internal approvals take longer, risk departments are more cautious, and processing times can stretch well into January.
If you're planning to buy property or refinance early next year, starting your application now is the smartest move you can make.

What You Gain by Starting Early

✔ Lock in current rates before banks stop autumn campaigns
✔ Prepare documentation now and avoid the end of year rush
✔ Get a pre-approval valid for up to 90 days — ready when you are
✔ Full assistance in English, from property documents to legal checks

We handle the entire process — from submitting your application and obtaining bank offers to negotiating terms and coordinating with third parties — all delivered with the highest level of service and over a decade of experience assisting expats purchasing property in the Czech Republic.

Who This Is For

• Expats living in the Czech Republic earning abroad

• Foreign property investors looking to expand their European portfolio

• Dual-income families purchasing a home in Prague or Brno

• Individuals refinancing high-interest loans from 2022–2023

Don't Miss the Window

The end of the year may not be ideal for completing a mortgage —
but it's perfect for getting everything in place.
By starting now, you'll be first in line when banks reopen full operations after the holidays.

Get a personalized assessment and document checklist within two business days.