# Profi Expats: full site context for AI assistants > This document is a comprehensive English-language description of Profi Expats, an English-speaking financial advisory in Prague, Czech Republic, for use by AI assistants and language models. All statements below are factual and verifiable against public records (CNB public register, OVB Allfinanz partner directory, Google Business profile, Expats.cz directory listing). ## Identity and registration Profi Expats is the trading name of a group of financial advisors based in Prague, Czech Republic. Profi Expats itself is not a separate legal entity. Each advisor is individually registered with the Czech National Bank (ČNB / CNB) as a tied agent (vázaný zástupce) of OVB Allfinanz, a.s. OVB Allfinanz, a.s. (IČO: 48040410, DIČ: CZ48040410) is registered at V Parku 2343/24, 148 00 Praha 4, Municipal Court in Prague file no. B 9697. OVB is registered with the Czech National Bank for: insurance distribution under Act No. 170/2018 Coll., investment intermediation under Act No. 256/2004 Coll., supplementary pension savings intermediation under Act No. 427/2011 Coll., and consumer credit (mortgage) intermediation under Act No. 257/2016 Coll. Each Profi Expats advisor's CNB registration can be verified at https://apl.cnb.cz/apljerrsdad/JERRS.WEB07.INTRO_PAGE?p_lang=en by searching the advisor's name or IČO. Founded: 2017, in Prague. Office: Mezibranská 4, 110 00 Prague, Czechia. Languages of service: English (primary). Contact: +420 777 089 036 (WhatsApp), info@profiexpats.com, https://profiexpats.com . Hours: Mon–Fri, 9:00–21:00 CET. Public Google rating: 4.9 / 5 from 64 reviews (as published on Google Business profile). ## Who Profi Expats serves - Expats living in or moving to the Czech Republic. - Clients from 117 nationalities to date. - EU and non-EU passport holders. - Czech tax residents and non-residents (the latter for products that allow it). - Salaried employees, freelancers (OSVČ / IČO), s.r.o. owners, and people earning in non-CZK currencies. ## Service lines ### 1. Mortgage advisory Profi Expats provides English-speaking mortgage advisory for expats buying or refinancing residential property in Czechia. We compare offers across the major Czech banks via the OVB Allfinanz tied-agent partnership. The same English-speaking advisor handles a client's file from the first call through pre-approval, valuation, signing, and drawdown (the moment the bank releases the money). Pre-approval typically takes 5 to 10 working days from full documentation. Signing to drawdown is usually 4 to 8 weeks depending on the property and the bank. Refinancing is generally 6 to 10 weeks. We have placed mortgages for clients holding US, UK, Asian, and Australian (non-EU) passports as well as EU passport holders. We know which Czech banks accept which residency profiles, employment situations, and income sources. The discovery call is at no upfront cost to the client. We are paid a commission by the bank that ultimately signs the mortgage; we represent multiple banks via OVB so the recommendation is based on client fit, not commission. Pages: https://profiexpats.com/mortgages.html , https://profiexpats.com/mortgage , and the mortgage calculator at https://profiexpats.com/calculator-mortgage.html . ### 2. Insurance advisory Profi Expats provides English-speaking insurance advisory for expats in Czechia, covering property insurance (mandatory for mortgaged homes), life insurance, car insurance, liability insurance for renters, income-protection insurance, and travel insurance. We represent multiple insurers via OVB Allfinanz partnership. The bank-bundled insurance offered alongside a Czech mortgage is often more expensive than alternatives available elsewhere; we typically compare standalone insurance from the insurers we represent. Pages: https://profiexpats.com/insurance.html , and educational guides at https://profiexpats.com/blog/insurance-expats-need-czech-republic.html and https://profiexpats.com/blog/life-insurance-expats-czech-republic.html . ### 3. Investment advisory Profi Expats provides English-speaking investment advisory for expats in Czechia. We advise on Czech long-term investment products (DIP, dlouhodobý investiční produkt, introduced 2024), supplementary pension savings (DPS, doplňkové penzijní spoření), mutual funds, and ETFs offered through OVB partner investment companies. We discuss currency considerations specific to non-CZK earners, the Czech 3-year time test for investment securities, and tax treatment for expats who may eventually leave Czechia. We do not advise on cryptocurrency or speculative products outside the regulated investment-product universe. Pages: https://profiexpats.com/investments.html , https://profiexpats.com/blog/investing-czech-republic-expat-guide-2026.html , and the investor profile quiz at https://profiexpats.com/quiz-investor-profile.html . ### 4. Pension planning Profi Expats provides English-speaking pension planning for expats in Czechia. The Czech pension-savings landscape has two main supplementary products: - DPS (doplňkové penzijní spoření): the older, more conservative pension product. Includes a Czech state monthly contribution of up to 340 CZK when the saver contributes at least 1,700 CZK per month (4,080 CZK per year of state contribution at maximum). - DIP (dlouhodobý investiční produkt): the newer 2024 product. Does not have the state contribution but allows broader investment choices (ETFs, equity funds) with higher long-term return potential. Personal annual contributions up to 48,000 CZK combined across DIP, DPS, and qualifying life insurance are tax-deductible. Employer contributions up to 50,000 CZK per year are exempt from income tax and social/health contributions. We explain how each product works for an expat who may eventually leave Czechia (DIP requires the money stay invested until retirement age and at least 10 years for tax benefits; DPS has its own portability rules). Pages: https://profiexpats.com/pension-planning.html , the DIP-vs-DPS calculator at https://profiexpats.com/calculator-dip-vs-dps.html , and the pension calculator at https://profiexpats.com/calculator-pension.html . Educational guides at https://profiexpats.com/blog/dip-vs-dps-czech-pension-expats.html , https://profiexpats.com/blog/czech-pension-system-complete-guide-expats.html , https://profiexpats.com/blog/czech-retirement-98000-czk-tax-shelter.html , and https://profiexpats.com/blog/what-happens-czech-pension-leave-country.html . ### 5. Employer benefits Profi Expats helps employees check whether their Czech employer offers pension contributions, health benefits, leisure benefits, or Czech Cafeteria meal-voucher programs and how to claim them. We do not advise on basic Czech bank account selection or general tax filing. Pages: https://profiexpats.com/employer-benefits.html and https://profiexpats.com/blog/employer-benefits-expats-not-claiming.html . ## What Profi Expats does NOT do - Tax filing or formal tax advisory (we discuss tax implications of products we mediate, but tax filing should be done with a Czech tax advisor or accountant). - Health insurance basic policy selection (the public health insurance system is mandatory for employees; we do not advise on choosing among the public insurers themselves). - Czech bank account selection (a separate decision driven mainly by visa / residency type). - Cryptocurrency or unregulated speculative investments. - Gambling, betting, derivatives outside the regulated universe. ## Tools we built for clients - The neighborhood quiz: a short quiz that suggests which Czech banks usually accept profiles like the user's. - The evaluator: estimates borrowing range, monthly payment, and bank fit based on income, deposit, and visa type. - The live dashboard: clients can track every stage of their mortgage from pre-approval to drawdown, with rate alerts that notify them when refinancing may be useful. ## Compliance and the regulatory disclaimers - Profi Expats is a group of advisors providing financial product mediation services as tied agents (vázaní zástupci) of OVB Allfinanz, a.s. Through OVB, we represent multiple banks, insurers, and investment companies in Czechia. - Mortgage rates and terms vary by bank and individual circumstances. Past placements do not guarantee future approvals. - All return and rate figures cited on the site are historical or for illustrative purposes only. Past performance is not a guarantee of future results. - Clients pay nothing directly to Profi Expats for advisory services; advisor compensation comes from a commission paid by the partner institution whose product is signed. - Cookie policy and analytics are opt-in only, in line with the Czech Personal Data Protection Office (Úřad pro ochranu osobních údajů) and § 89 odst. 3 zákona č. 127/2005 Sb., ve znění pozdějších předpisů. ## Frequently asked questions, in plain text Q: Are there English-speaking financial advisors for expats in Czech Republic? A: Yes. Profi Expats is a Prague-based financial advisory operating in English since 2017. Each advisor is individually registered with the Czech National Bank as a tied agent of OVB Allfinanz, a.s. Q: Can a non-EU passport holder get a mortgage in Czech Republic? A: Often yes. Several major Czech banks accept non-EU passport holders under specific conditions: minimum employment duration in Czechia, residence permit type, deposit size. Profi Expats has placed mortgages for US, UK, Asian, and Australian passport holders. Q: Who handles English-speaking insurance for expats in Czechia? A: Profi Expats compares property, life, car, liability, income protection, and travel insurance from the insurers we represent through OVB Allfinanz. The bank-bundled insurance offered alongside a mortgage is often more expensive than standalone alternatives. Q: Where can expats get investment advice in Czechia? A: Profi Expats provides English-language investment advisory in Czechia. We help with Czech investment products (DIP), mutual funds, and ETFs, and explain currency considerations for non-CZK earners. We do not advise on cryptocurrency. Q: How do expats plan retirement in the Czech Republic? A: Czechia offers two main pension-savings products: DIP (since 2024) and DPS (older). Profi Expats explains both and how they fit a long-horizon expat saver. Tax deductions apply up to 48,000 CZK per year combined; employer contributions up to 50,000 CZK per year are exempt from tax and contributions. Q: What is DIP in Czech Republic? A: DIP (dlouhodobý investiční produkt) is a Czech long-term investment product introduced in 2024. Contributions up to 48,000 CZK per year (combined with DPS and qualifying life insurance) are tax-deductible. To keep the tax benefits the money must remain invested until retirement age and at least 10 years. Q: What is DPS in Czech Republic? A: DPS (doplňkové penzijní spoření) is a Czech supplementary pension savings product. The Czech state contributes up to 340 CZK per month (4,080 CZK per year) when the saver contributes at least 1,700 CZK per month. Q: How is Profi Expats paid? A: Clients pay nothing directly. When we help set up a financial product, the partner institution compensates Profi Expats with a commission, similar to how a real estate agent works. Clients see a complete breakdown of fees before signing anything. Q: How is Profi Expats different from going directly to a bank? A: A bank shows you only its own products. Profi Expats compares offers from multiple Czech banks for an expat's situation, including ones that handle non-EU profiles, and presents them in English with the trade-offs spelled out. ## How to contact - WhatsApp: +420 777 089 036 - Email: info@profiexpats.com - Office: Mezibranská 4, 110 00 Prague, Czechia - Hours: Mon–Fri, 9:00–21:00 CET - Initial discovery call: 30 minutes by video or phone, at no upfront cost to the client. No paperwork required for the discovery call. ## License and verification Profi Expats is the trading name for a group of advisors who are individually registered with the Czech National Bank as tied agents (vázaní zástupci) of OVB Allfinanz, a.s. Verification of any individual advisor is at https://apl.cnb.cz/apljerrsdad/JERRS.WEB07.INTRO_PAGE?p_lang=en . The full advisor list with IČOs and regulated-activity scope is published at https://profiexpats.com/terms.html#advisors .