HypoCare – Mortgage financing in the Czech Republic

HypoCare is an independent mortgage broker cooperating with all major banks in the Czech Republic.

We arrange mortgage financing for foreign buyers, expats, and international investors — with clear communication, reliable coordination, and one dedicated contact person guiding you through the entire process from start to finish. Our English-speaking brokers manage the entire process, from initial assessment to loan disbursement.

Our services are free of charge for clients — we are compensated by the banks.

Who we are

HypoCare is a team of experienced mortgage brokers with deep knowledge of Czech banking procedures and eligibility criteria for non-resident applicants. We prepare and submit complete applications, ensure compliance with bank requirements, and coordinate every step leading to a successful mortgage drawdown.

Mortgages for foreigners – Key information

• Eligibility: Based on income, documentation, and residency status; criteria vary by bank
• Income & residency: Czech residency or well-documented foreign income may improve available conditions
• Fixed-rate periods: Most commonly 3 or 5 years; terms range from 1 to 10 years
• Early repayment: Generally permitted at the end of the fixed-rate period, subject to contract terms
• Loan term: Up to 30 years, typically limited by borrower's age (usually around 70)
• In-person requirements: In most cases, one visit to Prague is sufficient for signing and account opening

How it works

• Initial consultation & assessment – We review your case and provide an indicative calculation
• Bank selection & approval – We compare offers and proceed with the most appropriate bank
• Completion – We coordinate valuation, contract signing, registration, and fund release

Additional services

Upon request, we can refer you to trusted external partners for legal support, real estate services, property management, and certified translations.