Financial consulting for expats in Prague,in a language you understand.

Yes, it is possible. A bank will assess your residence status alongside your income, savings, the property and its own lending criteria. Temporary residence does not automatically rule you out. We can help you see which banks may offer you the best option. Each application is assessed individually.

The amount depends on the property valuation, the type of property and your age. For example, applicants under 36 may be able to buy with a 10% down payment, while applicants aged 36 and over generally need at least 20%. We can work through a realistic budget with you before you start looking.

Yes, self-employed applicants can apply. Lenders typically examine tax returns and other evidence of income, but they do not all assess it in the same way. Bring your recent tax returns and information about existing loans so we can discuss what may be realistic.

Expect to provide identification, evidence of income and information about the property. Depending on the bank and your circumstances, you may also need residence documents, tax returns, account statements or translated paperwork. We can help you prepare a lender-specific list.

We can discuss property search and financing together, working with our verified real estate agents. At the consultation we will explain which property services are available, who provides them and how they fit your mortgage plan.

Our team consults in five languages: Czech, English, Russian, Ukrainian and Chinese. Tell us which language you prefer when you contact us, and we will confirm the right specialist and an available time. Meetings can be arranged online or in person.

It depends. The requirements depend on the bank conditions and loan terms. Separately, it is sensible to consider how repayments would be covered if illness, disability or another event affected your income. We can explain the available cover, costs and exclusions so you can decide what suits your circumstances.

Property insurance generally protects the building or apartment structure itself; contents insurance generally protects belongings inside your home. You can obtain this insurance even if you are renting an apartment. Specific cover, limits and exclusions vary by policy. We can help you review both and identify any gaps.

Yes. Bring your existing policies and tell us what has changed in your life. We can examine their cover, limits, exclusions and costs, and explain whether they still fit your needs. You decide whether to keep or change anything.