Your online mortgage
from 4.99%
Work out your payment right away, without leaving your details. If you want to go further, an adviser from your region will call you and compare offers from the banks. It costs you nothing.
- Self-employed, your own company or two incomes? Every bank counts them differently.
- Only one adviser gets your contact details.
- Since 2017, people have sent us over 200,000 requests.
Mortgage calculator
An estimate based on income. The bank approves the exact amount after assessing your income, expenses and credit history. We will work it out with you for free. Maximum LTV 80% (90% for under-36s buying a home to live in).
No obligation · Banks side by side · No spam · Cancel any time
Representative example
Representative example: loan of CZK 4,000,000 over 360 months, fixed borrowing rate 4.99% p.a., APRC 5.11%, monthly payment CZK 21,448, total amount payable CZK 7,721,433; secured by a charge over the property. Intermediary: Offgrid Labs s.r.o. (HypoGO brand), an independent consumer credit intermediary registered with the Czech National Bank (ČNB). An indicative calculation, not a loan offer; the bank sets the final terms.
Fill in the request
What happens next?
- We call you and ask a few questions. We can talk in English.
- We put you in touch with an adviser from your region. Only they get your contact details.
- You describe your situation and they find out what different banks would offer you.
How a mortgage through HypoGO works
Three steps. Only the first one is up to you.
You do the maths
Enter two numbers and see an indicative monthly payment straight away. No contact details, no sign-up.
A short call
We call you, ask a few questions and use the answers to pick the mortgage adviser closest to you. We can talk in English, and you don’t sign anything.
The adviser handles the rest
They go through the banks, negotiate the terms and guide you all the way to signing. They also arrange the valuation and the paperwork.
Not a Czech citizen?
You can buy property in Czechia without restrictions. For a mortgage, your residence status and your income matter most. Here is what banks look at.
Mortgage for foreigners →Representative mortgage example
This is what a model mortgage looks like, with everything included. The bank gives you the same overview before you sign.
| Total loan amount | CZK 4,000,000 |
|---|---|
| Loan term | 30 years (360 months) |
| Borrowing rate | 4.99% p.a. (fixed for 3 years; a new rate is agreed when the fixed period ends) |
| APRC | 5.11% p.a. |
| Monthly payment | CZK 21,448 |
| Total amount payable | CZK 7,721,433 |
| Security required | A charge over the financed property |
The calculation is a model and uses the same indicative rate as the calculator above. The APRC assumes a loan without fees, and our service is free. Any third-party fees (property valuation, land registry) vary by bank and are not included. The bank sets the final terms after assessing the applicant.