English-speaking, CNB-registered

Mortgages for expats in Czechia, done in English.

We check every major Czech bank for your situation. The same advisor stays with you from the first question to drawdown (when the bank releases the money). EU and non-EU passports welcome.

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Your file
Status, in real time
Pre-approval Done
Property valuation In progress
Drawdown Pending
What you get

One advisor for every step, in English.

Every Czech bank

We check the major Czech banks for you, then bring you the offers worth comparing.

All in English

Same advisor from your first call to the day you get the keys.

EU and non-EU welcome

We know which banks usually accept which passports, and what each one needs to see.

You always know where you stand

Every stage and every document, visible to you in real time.

Tools we built for our clients

Three tools to help you plan.

A quiz to see which Czech banks usually fit profiles like yours. An evaluator to estimate what you can borrow. A live dashboard to follow every stage, with alerts if rates drop.

Profi Expats quiz mock-up on a mobile phone, showing the entry screen of the bank-fit quiz.
Tool 1

The quiz

Answer a few short questions about your passport, your job, and where you want to live. In about 60 seconds, you see which Czech banks usually accept profiles like yours.

Tool 2

The evaluator

Share your income, deposit, and visa type. The evaluator estimates how much you can borrow, what your monthly payment may look like, and which banks usually say yes to your profile.

Live dashboard mock-up showing a rate-trend chart and a refinance-opportunity notification.
Tool 3

The live dashboard

See every stage of your file in real time, from pre-approval to drawdown. We also follow interest rates for you. If they drop enough to make refinancing useful, you get a notification.

How it works

Three steps. We handle the Czech paperwork.

1

Discovery call

30 minutes, by video or phone. No paperwork yet, no upfront fees.

2

We compare the market

Offers from the banks that fit your profile, translated into clear options.

3

We handle the paperwork

Everything in English, with a live status until you hold the keys.

Since 2017
In Czechia
200+
Expat mortgages placed
117
Nationalities served
Real people, real placements

Who you'll actually be talking to

Two people on your file. Nicolas runs the discovery call and gets you set up. Jana, our CNB-registered mortgage advisor, handles the bank comparison and the placement.

Nicolas Griss, Co-Founder of Profi Expats
Nicolas Griss
Co-Founder · Client onboarding & operations
Runs the first conversation, gets your account and live dashboard set up, and stays as your point of contact through the file. Hands the regulated mortgage advice to Jana.
Jana Lorincikova, Mortgage Specialist at Profi Expats
Jana Lorincikova
Mortgage Specialist · your advisor of record
CNB-registered tied agent (vázaný zástupce) of OVB Allfinanz, a.s. · IČO 06454062
Compares the bank offers, builds the file, and walks you through pre-approval, valuation, signing, and drawdown.
Verify on ČNB JERRS register
Recent placement

US passport holder, six months in Prague, software engineer on indefinite contract. 20 percent deposit, two-bedroom flat in Karlín. Pre-approval in eight working days, drawdown six weeks later. Five-year fix at the lower end of the bank's expat range.

Illustrative anonymised example. Each file is assessed on its own merits.
Recent placement

Indian passport holder on long-term visa, OSVČ for two tax years, joint application with EU-citizen partner. 25 percent deposit on a Prague 7 apartment. Two banks said no, one said yes after the freelance income proof was restructured. File closed in nine weeks.

Illustrative anonymised example. Each file is assessed on its own merits.
Banks we compare for your file (via OVB Allfinanz partnership)
Komerční banka ČSOB Hypoteční banka Česká spořitelna Raiffeisenbank Modrá Pyramida UniCredit Bank Moneta Money Bank Air Bank
Full list of partner institutions on the official OVB partner page: ovb.cz/o-nas/nasi-partneri
Talk to us

Tell us about your situation.

A short message is enough to start. We will reply in English within one working day.

Profi Expats, Prague Mon to Fri, 9:00 to 21:00 CET

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Thank you. Message received.

We'll be in touch within one working day. If urgent, message us on WhatsApp at +420 777 089 036.

Common questions

Questions we hear a lot

Often yes, but the bank list shrinks. Several major Czech banks work with non-EU passport holders under specific conditions: minimum employment duration in Czechia, residence permit type, deposit size. Others don't. We know which banks tend to say yes and what each one needs to see. We've placed mortgages for US, UK, Asian, and Australian passport holders.
Pre-approval: typically 5 to 10 working days from when we have your full documentation.
Signing to drawdown: usually 4 to 8 weeks depending on the property and the bank.
Refinancing: generally 6 to 10 weeks.
We track every stage so you always know where things stand.
No. Every conversation, document, and explanation we provide is in English. We translate Czech-language paperwork from the bank into plain-English summaries so you sign knowing exactly what you're agreeing to.
Our advice does not cost you anything directly. We are paid a commission by the bank you ultimately sign with. We represent all the major Czech banks via OVB Allfinanz, so the recommendation is based on your fit, not on whoever pays us most. You see a complete breakdown of any fees before you sign anything.
A bank only shows you its own mortgages. We compare offers from multiple Czech banks for your situation, including ones that handle expat profiles. The comparison takes us a few hours. Doing it yourself would usually mean weeks of phone calls in Czech.
Just yourself, an email, and 30 minutes for the discovery call. After that we'll send you a clear checklist: typically passport copy, residence permit, recent payslips or freelance income proof, and deposit confirmation. We send the list in English with examples of each. If you already have a Czech mortgage, our 2026 refixation guide covers what to expect when your fixation period ends.
Yes. Profi Expats is an English-speaking mortgage advisory in Prague, serving expats since 2017. The same English-speaking advisor handles your file from the first call through pre-approval, valuation, signing, and drawdown. Each advisor is individually CNB-registered as a tied agent of OVB Allfinanz, a.s.
Whole-of-market means we check every major Czech bank for your situation rather than offering only one bank's product. Profi Expats represents multiple Czech banks via OVB Allfinanz partnership, so a single conversation gives you a comparison of offers from across the market.
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