We built HypoGO because you can arrange a single mortgage online with almost any bank today, but comparing several of them at once is still days of work. We do that part for you.
A mortgage is the biggest financial decision most of us will ever make. And yet it's the least understandable product on the market: hidden fees, offers from different banks that can't be compared, legal wording that even bank staff can't explain in plain terms.
HypoGO exists to close that gap between you and your mortgage. Work out a repayment without registering. Go through the terms of individual banks. When you want more, we put you in touch with an adviser from your region, a person who answers under their own name, not a company inbox.
No tricks. No spam. No "call us and we'll explain everything". Either our tool helps you, and the bank pays us a commission, or it doesn't, and you simply close the tab and never hear from us again.
When banks push us toward one product, clients push for speed and the regulator pushes for paperwork, it helps to come back to basics.
If the best offer for you sits with a bank that pays a lower fee to the adviser, we recommend it anyway. Internal sales targets mean nothing to us. The only competition that matters is how many clients come back for a second mortgage.
The rates in the calculator are indicative, and we keep them current. Your adviser will break the final offer down item by item, and if it differs from the calculator, they'll tell you why. We leave the fine print for the contract, and we explain that to you beforehand.
You can shake your adviser's hand; their children go to school in the same town as yours. If something goes wrong, you have a way to reach them. Literally.
We answer 35 of the most common questions in public. Because when you understand what you're signing, you don't come back to ask us about it a year later. Helping you understand it is our best marketing investment. And your protection.
Our licence is listed publicly at jerrs.cnb.cz. We'll tell you the amount of the commission from any bank on request. If we make a mistake, the Financial Arbitrator is there. Transparency isn't a slogan, it's a duty.
HypoGO is not a call centre. Your mortgage is handled by a mortgage adviser registered with the CNB, someone who knows the banks in your region from everyday practice.
Our standard is the same for everyone: honesty before the sale, explaining things before pushing you, a plan B before a rejection. You can check every adviser's authorisation in the CNB's public register.
HypoGO is operated by Offgrid Labs s.r.o., part of the Offgrid group. The group is behind digital projects in finance and real estate, including the Zaloto service, through which we've been handling mortgage enquiries since 2017.
We share technology infrastructure with the group's other brands, but business decisions, choice of partners and the logic behind our recommendations are fully independent. HypoGO doesn't favour any bank from the Offgrid group. There isn't one.
Offgrid Labs s.r.o. is an independent consumer credit intermediary registered with the CNB. Our advisers are registered with the CNB too, each under their own name.
You can check the licence and all authorisations at any time in the CNB's public register. In the event of a dispute, you can turn to the Financial Arbitrator of the Czech Republic. The proceedings are free for you.
Just numbers you can check: in the register, or with us on request.
The agreements with them belong to the adviser, not to HypoGO. How many you'll see depends on which network your adviser falls under. We don't favour any of them.
No obligation, no pressure. We work it out, compare it, and recommend it. You decide.