Welcome to ISG Finance!

The №1 Czech Mortgage Broker for Expats

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We specialise in Czech mortgages for Expats & Foreign Investors. We would love to help you secure the best deal possible…

Czech Mortgages in Plain English

At ISG, we pride ourselves on our market knowledge, attention to detail and customer service.

Czech mortgages can be complicated, especially if you are not a Czech speaker. We speak in plain English so you can understand everything. We go further, by explaining all of the small details so you are not caught out in the future.

Our relationships with the banks mean we can get those little discounts, improved products and faster decisions for our clients.

Start Early

Measure twice, cut once. That’s an idiom we like at ISG. Starting the mortgage process early is key. Knowing everything before signing the reservation contract will avoid unnecessary issues.

ISG can help you get pre-approved, or help you lock in interest rates for 30 days. This gives you piece of mind when looking for property. We can also help you pre-evaluate your chosen property before the bank values it. Our software and market knowledge can be invaluable at this stage. All of this is for free and is part of our Buyer’s Agent service.

Mortgages Basics

All mortgages must be secured by a property, which of course can be the property you are buying (assuming it is in private ownership). Most mortgages must be repaid by your 70th birthday (some banks may allow 5 more years), so the maximum length is dependent on your age.

The maximum Loan-to-Value (LTV) is dependent on the value of the property in question and also your status (see the tabs below). Interest rate is effected by the LTV in addition to your status.

Mortgages for Czechs

Czechs citizens can currently get mortgages for up to 90% of a properties value. There is a possibility of combining a mortgage with a personal loan in order to reach over 90%. This is primarily through building societies.

1 year fixation from 1.39%

3 year fixation from 1.59%

5 year fixation from 1.59%

Mortgages for Expats

Most banks require temporary or even permanent residency for a mortgage if you are not Czech. Once you have this you can generally borrow up to 90% of the value of a property.

1 year fixation from 1.39%

3 year fixation from 1.59%

5 year fixation from 1.59%

Mortgages for Foreign Investors

EU citizens who also work in the EU can get mortgages of up to 80% of the value of a property. This requires temporary residency to be granted by the Ministry of the Interior. The process is quite straightforward. Non-EU citizens are generally limited to 60% mortgages, but with no residency requirement.

3 year fixation from 2.09%

5 year fixation from 2.19%

Monthly Mortgage Payments

ISG 2017 Mortgage Guide Coming Soon

Investment Solutions Group was founded in 2010. Our aim was simple: To provide foreign buyers get a better mortgage service in the Czech Republic.

Now our business covers everything property related; from property search, to reconstruction, to management, to taxes. ISG is a one-stop property partner. Finance and Czech mortgages in particular have always remained the cornerstone of our business.

Our ability to explain the process, along with giving a fast and personalised service sets us apart from our competition.

99.5%

successful applications

3031

days of experience

306

happy clients

Meet Our Experts

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Robin Petrásek

Robin joined us from ČSOB in 2013. He brought a wealth of experience with him. Since then Robin has become a certified loan broker and insurance broker. He is also in his final year of his Master’s degree program.

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Nick Marley

Nick founded ISG in 2010 and worked primarily as a mortgage broker. Over 7 years he has brokered nearly 100 mortgages. In 2016 Nick received an award from Hypoteční banka in recognition of the amount of mortgage business brought to them.

What our clients say about us

“I’ve worked with Robin and Nick in purchasing an apartment in Prague and re-financing. They are very professional and solution driven, guiding you through every step of the transaction. Pleasure to work with and I look forward to working with them on other projects in the future.”

John MillarLegal Counsel
Fredrik ÖbergCEOOberg Media
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equabank
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mbank
moneta
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You can contact us by email, skype, whatsapp & phone or come along to our offices at Korunni 7.

We would be pleased to answer your questions: