WE WILL ARRANGE THE MOST ADVANTAGEOUS MORTGAGE LOAN ON THE MARKET FOR YOU

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12 WE COMPARE MORTGAGES AT 12 BANKS
5 WE COMPARE MORTGAGES AT 5 BUILDING SOCIETIES
0,5 % ON AVERAGE, WE NEGOTIATE 0.5% LOWER INTEREST RATE
73 tis. Kč AVERAGE SAVINGS PER MORTGAGE
96 % CLIENTS RECOMMENDED US TO OTHERS

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Fixed Rate Period YEARS

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Free property appraisal for mortgages from CZK 4,000,000.
You’ll get a comparison not only of interest rates but of all fees.
"Mortgage in Advance" – secure your mortgage before choosing a property - more HERE.

WE’RE HAPPY TO HELP WITH YOUR MORTGAGE

Jan Škarban skarban@amj.cz 733 150 920

Klára Frydrýšková

Se společností AMJ finance jsem velmi spokojená. Přístup je lidský a přitom velmi profesionální. Společnost mi ušetřila nemalé finanční prostředky na smlouvách a zprostředkovala stabilní investiční portfolio. (Translated by Google) I am very satisfied with AMJ finance. The approach is humane and yet very professional. The company saved me a lot of money on contracts and provided me with a stable investment portfolio.
Ondřej Adler

Kdyby finanční poradci byli jako paní Lenka Krčmářová, pískal bych si. Necpe vám nabídky na to či ono. Mluví jasně, srozumitelně a hlavně věcně. Řešil jsem refinancování hypotéky a za její radu jsem byl moc rád. Doporučuji. (Translated by Google) If financial advisors were like Ms. Lenka Krčmářová, I would be blown away. She doesn't bombard you with offers for this or that. She speaks clearly, understandably, and most importantly, factually. I was dealing with mortgage refinancing and I was very happy with her advice. I recommend it.
bob roy
LucPat

Chtela jsem pomoci s refinancovanim sve hypoteky a bylo mi receno, at zustanu u te puvodni, kde jsem ted. Ze strany AMJ tedy absolutne zadny zajem o spolupraci. A na dotaz, proc na kalkulacce na jejich webu mi vychazi uplne jina urokova sazba, nez mi mohou oni u jakekoliv banky vyjednat, jsem dostala odpoved, ze to je sazba nemeckych bank, na coz ale musim mit prijem v eurech a to ja nemam. Pritom v kalkulacce nejsou uvedena eura ale koruny! Za me je to tedy ucelne mateni zakaznika, jen, aby si ziskali klienty. Podle pani Suchomelove je to pry ale naprosto v poradku. Uvidime, co na to rekne COI a jaky na to bude mit nazor ona. (Translated by Google) I wanted help with refinancing my mortgage and was told to stay with the original one where I am now. So AMJ has absolutely no interest in cooperation. And when I asked why the calculation on their website gives me a completely different interest rate than they can negotiate with any bank, I was told that it is the rate of German banks, but I have to have income in euros, which I don't have. However, the calculation does not show euros, but crowns! In my opinion, this is a complete confusion of the customer, just to get clients. According to Ms. Suchomel, it is completely fine. We will see what the COI says about it and what her opinion is on it.

Zobrazit více
Petra Krejcarova

Bc. Suchomelová je profesionálka na svém místě. Vyřešila hypotéku k mé spokojenosti, vše srozumitelně vysvětlila, kdykoli byla k dispozici a reagovala okamžitě. Byla mi velkou oporou v nelehké situaci. Má můj velký dík. (Translated by Google) Bc. Suchomelová is a professional in her field. She solved the mortgage to my satisfaction, explained everything clearly, was available whenever she could and responded immediately. She was a great support to me in a difficult situation. She has my great thanks.
Tomas Strejc

Velké poděkování za pomoc se zajištěním HÚ, ohromná úspora času a nervů! Děkuji zejména paní Krčmářové za profesionální přístup. Těšíme se s rodinou na nové vysněné bydlení. (Translated by Google) Many thanks for your help with securing the HÚ, a huge saving of time and nerves! I would especially like to thank Mrs. Krčmářová for her professional approach. My family and I are looking forward to our new dream home.

- Loan Type New Mortgage
- Loan Amount CZK 4,400,000
- Interest Rate 2.69%
- Term 30 years
- Client Jana and Miroslav Strakovi
- Age 32 and 37
Client stories
The Strak family secured a CZK 4.4 million mortgage for a new house.
- Loan Type New Mortgage
- Loan Amount CZK 4,400,000
- Interest Rate 2.69%
- Term 30 years
The Straks decided to buy their own home and start a family. Initially, they were very disappointed when their first attempt to arrange a mortgage on their own failed, and their subsequent cooperation with a mortgage advisor from a well-known competing company also ended unsuccessfully. However, they didn’t give up and came to the mortgage specialists at AMJ on the recommendation of one of our clients.

We quickly identified why their case was so complex. The reasons included:

1. Mr. Straka ran his own business and was self-employed, but his company showed almost no profit, so his income could not be considered for mortgage calculations.
2. On top of that, they had several other loans, increasing their total expenses.
3. Mrs. Straková was born in Canada and only has temporary residency in the Czech Republic, which is an issue for many banks. She is a foreign national, although married to a Czech and living here since she was 18. She is a doctor with above-average income, but initially couldn’t document it, as she had been self-employed in the past and had only recently established her own practice.

The bank was not interested in income from sole proprietorship, as the business had already been suspended and the income from the newly founded company could not be proven in any way, since it had only existed for a few months and had no tax returns yet. After thoroughly comparing mortgage offers from all banks, we found that some of them are willing to offer a loan to certain professions, such as doctors, based solely on a sworn statement, without requiring income documentation.
However, the couple needed a mortgage covering 90% of the property’s value, which didn’t help their situation. The fact that Mrs. Straková, as the primary applicant, was a foreign national also didn’t inspire much optimism — but we didn’t see it as a setback. And that was a good thing.
We found the only bank in the Czech Republic that was able to grant a loan under these conditions. All's well that ends well. The Strak family now lives in their new house, and the happy couple is expecting their first child.
OPEN FULL STORY

The Straks decided to buy their own home and start a family. Initially, they were very disappointed when their first attempt to arrange a mortgage on their own failed, and their subsequent cooperation with a mortgage advisor from a well-known competing company also ended unsuccessfully. However, they didn’t give up and came to the mortgage specialists at AMJ on the recommendation of one of our clients.

We quickly identified why their case was so complex. The reasons included:

1. Mr. Straka ran his own business and was self-employed, but his company showed almost no profit, so his income could not be considered for mortgage calculations.
2. On top of that, they had several other loans, increasing their total expenses.
3. Mrs. Straková was born in Canada and only has temporary residency in the Czech Republic, which is an issue for many banks. She is a foreign national, although married to a Czech and living here since she was 18. She is a doctor with above-average income, but initially couldn’t document it, as she had been self-employed in the past and had only recently established her own practice.

The bank was not interested in income from sole proprietorship, as the business had already been suspended and the income from the newly founded company could not be proven in any way, since it had only existed for a few months and had no tax returns yet. After thoroughly comparing mortgage offers from all banks, we found that some of them are willing to offer a loan to certain professions, such as doctors, based solely on a sworn statement, without requiring income documentation.
However, the couple needed a mortgage covering 90% of the property’s value, which didn’t help their situation. The fact that Mrs. Straková, as the primary applicant, was a foreign national also didn’t inspire much optimism — but we didn’t see it as a setback. And that was a good thing.
We found the only bank in the Czech Republic that was able to grant a loan under these conditions. All's well that ends well. The Strak family now lives in their new house, and the happy couple is expecting their first child.
OPEN FULL STORY
- Loan Type New Mortgage
- Loan Amount CZK 2,420,000
- Interest Rate 1.79% 
- Term 30 years
- Client Silvie Martincová
- Age 23
Client stories
Miss Martincová has her first mortgage and is now enjoying her own home.
- Loan Type New Mortgage
- Loan Amount CZK 2,420,000
- Interest Rate 1.79% 
- Term 30 years
It’s very difficult to get a mortgage and buy your own home if you're a young person who’s just recently transitioned from an academic career to a working one. Miss Martincová knows this well. The bank initially didn’t trust her much because she had no credit history yet, so they weren’t sure how to assess her obligations and ability to repay.
Silvie has very supportive parents. They saved diligently from an early age and were able to provide 30% of the property's value from their own funds. They were also willing to co-sign the loan with her, which helped significantly. The higher risk associated with Silvie's profile was thus partially mitigated by the parents' co-borrower status, which resulted in significantly better repayment terms.
Another problem arose when a detailed comparison of mortgage offers revealed differences in financial conditions. The most favorable option for Silvie had fees around CZK 20,000. However, not all banks or building societies were willing to offer the best mortgage deal. After negotiations, the chosen bank eventually agreed to the terms, and Silvie is now happily living in her first own home.
OPEN FULL STORY

It’s very difficult to get a mortgage and buy your own home if you're a young person who’s just recently transitioned from an academic career to a working one. Miss Martincová knows this well. The bank initially didn’t trust her much because she had no credit history yet, so they weren’t sure how to assess her obligations and ability to repay.
Silvie has very supportive parents. They saved diligently from an early age and were able to provide 30% of the property's value from their own funds. They were also willing to co-sign the loan with her, which helped significantly. The higher risk associated with Silvie's profile was thus partially mitigated by the parents' co-borrower status, which resulted in significantly better repayment terms.
Another problem arose when a detailed comparison of mortgage offers revealed differences in financial conditions. The most favorable option for Silvie had fees around CZK 20,000. However, not all banks or building societies were willing to offer the best mortgage deal. After negotiations, the chosen bank eventually agreed to the terms, and Silvie is now happily living in her first own home.
OPEN FULL STORY
- Loan Type New Mortgage
- Loan Amount CZK 7,090,000
- Interest Rate 1.69%
- Term 30 years
- Client Jean and Tereza Caneparo
- Age 32 and 34
Client stories
A detailed mortgage comparison helped find a bank that accepts income from France.
- Loan Type New Mortgage
- Loan Amount CZK 7,090,000
- Interest Rate 1.69%
- Term 30 years
The Caneparos lived in their own 2-room apartment in Prague. After the birth of their second son, they decided to move to a larger home. They chose a house in Lysá nad Labem and began arranging the financing — which proved to be quite a challenge. There were several reasons:
1. Mr. Caneparo is from France and earns his income from a French company.
2. Mrs. Caneparo was on maternity leave.
3. The family had no savings to contribute.
They could have used their Prague apartment as additional collateral, but not as part of the purchase itself. So they had to find a bank that would accept income from France and offer favorable terms in terms of interest rates and fees. After submitting the mortgage application, we arranged for a property appraisal and provided the bank with all necessary documentation for approval.
The Caneparos met all the conditions for drawing the funds, and the bank approved their mortgage. They were able to move into their dream home. They decided to rent out their Prague apartment and use the rental income to help repay their mortgage.
OPEN FULL STORY

The Caneparos lived in their own 2-room apartment in Prague. After the birth of their second son, they decided to move to a larger home. They chose a house in Lysá nad Labem and began arranging the financing — which proved to be quite a challenge. There were several reasons:
1. Mr. Caneparo is from France and earns his income from a French company.
2. Mrs. Caneparo was on maternity leave.
3. The family had no savings to contribute.
They could have used their Prague apartment as additional collateral, but not as part of the purchase itself. So they had to find a bank that would accept income from France and offer favorable terms in terms of interest rates and fees. After submitting the mortgage application, we arranged for a property appraisal and provided the bank with all necessary documentation for approval.
The Caneparos met all the conditions for drawing the funds, and the bank approved their mortgage. They were able to move into their dream home. They decided to rent out their Prague apartment and use the rental income to help repay their mortgage.
OPEN FULL STORY

WHY CHOOSE AMJ

We’ll find the best mortgage deal for you

Standard Advisor

1 Has only general knowledge

A standard advisor focuses on all areas of financial advice, and for this reason it is almost impossible for them to achieve the same knowledge in one area as our specialists.
2 Compares only a few banks

He only compares banks he knows and deals with most often.
3 Focuses only on the interest rate

They don’t really address the other costs associated with a mortgage loan.
4 4. Often leaves communication with the bank up to the client

The client must find out information at the bank themselves, because the advisor does not inform them or informs them late about when, what and where to provide evidence; the client prepares the documents for the bank himself.
5 Cooperation ends once the contract is signed

After signing the loan agreement, he goes looking for another client.
6 Has dissatisfied clients

Clients may have a mortgage, but it was uncomfortable for them to handle and they prefer not to even consider how much they pay for it.
7 You have to archive contracts yourself

It is usually up to the client to keep their financial product contracts in a safe and organized place. If they cannot find a contract, they must ask their advisor, bank, insurance company or other company to send it to them. However, this is usually not done immediately.

AMJ Specialist

1 Is a mortgage expert

AMJ mortgage specialist knows very well the conditions and methodologies of all banks and the issue of mortgage loans in general, because this is the area in which he specializes.
2 Compares offers from all banks

It compares the offers of all banks and savings banks on the Czech market for the client and helps them choose the most advantageous mortgage.
3 Looks beyond just the interest rate

They will recommend the best mortgage loan to the client not only according to the interest rate, but also other parameters such as the price for providing and processing the loan, property valuation, loan insurance and all other costs associated with the loan.
4 Guides the client through the entire process

He communicates with the bank on behalf of the client, provides them with complete information, including a timetable, and helps with the preparation of documents for the bank.
5 Cooperation begins with the contract signing

He/She monitors the client’s deadlines for the delivery of documents for drawing, as well as the deadline for fixing and negotiating a favorable rate for the next period. The client can contact him/her at any time during the term of the loan.
6 Has satisfied clients

He has satisfied clients who do not pay unnecessary money for a mortgage, have their dream home, and are happy to recommend him to others.
7 Quick access to all your contracts

Every client can use our myPLANN client application, where they can find all important information about their mortgage, including the mortgage loan agreement itself in pdf format. In addition to the agreement concluded with our specialist, all other insurance, loan, investment and other financial product agreements that they use can be uploaded to the application. If necessary, they do not have to search for them in a cupboard at home, but can view them at any time and download them to their phone, computer or tablet.

Cooperation with our mortgage specialist

The Mortgage Process – Online

Our goal is to make the entire mortgage arrangement process as easy as possible for you.That’s why we created this website, including a comprehensive mortgage calculator, so we can handle your entire mortgage online – guiding you through the entire process without the need to visit either our office or the bank.

Step 1: Mortgage Calculator

Fill out the mortgage calculator online. Our calculator will give you an idea of what interest rate and mortgage payments you can expect. Then you can fill out a form with your details, which our mortgage specialists will use to prepare a detailed comparison of mortgage offers from individual banks, including a recommendation for the most advantageous one for you.

Step 2: Mortgage Comparison

We’ll provide you with a comparison of mortgage offers based not only on the lowest interest rate, but also tailored to your exact situation and including all associated mortgage costs.

Step 3: Choosing the Best Mortgage

Together with our mortgage specialist, you will select the best mortgage for your needs.

Step 4: Mortgage Approval Process

Once the best mortgage is selected, our mortgage specialist will prepare the loan application for the selected bank and assist you throughout the entire approval process.

Step 5: Signing the Mortgage Agreement

Once the bank approves your mortgage, you’ll choose a branch where you want to sign the mortgage agreement.

Step 6: Mortgage Drawdown

After signing the mortgage agreement, together with our mortgage specialist you will provide the bank with the necessary documents for the mortgage drawdown.

Step 7: Cooperation with the Mortgage Specialist Continues

You’re buying your dream home, but cooperation with our mortgage specialist doesn’t end there. You can continue to reach out if you need help with anything related to your new mortgage.

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How does
it Work?

1

FILL OUT THE FORM Start with the online mortgage calculator. The more information you provide, the more accurate the offer your mortgage specialist can prepare for you.
2

WE’LL SEND YOU AN OFFER We’ll send you a comparison of mortgage loans from all banks on the market, including a recommendation for the best one for you.
3

CHOOSE THE BEST MORTGAGE Together, we’ll select the best mortgage to finance your home.
4

APPLY FOR A MORTGAGE LOAN We’ll complete the mortgage loan application and submit all required documents.
5

BANK APPROVAL The bank will assess the documentation, appraise the property, and approve your mortgage.
6

SIGN THE LOAN AGREEMENT Once approved, the bank will prepare your mortgage agreement for signing.
7

MORTGAGE DRAWDOWN Done! You can now access the funds from the mortgage and purchase your property.
8

ONGOING SERVICE Our work doesn’t end with the drawdown. We’ll continue to support you — feel free to contact us anytime regarding your mortgage.

We compare mortgage offers from most banks in the Czech Republic

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What interests you most

1 What is an American mortgage and when should I use it?

An American mortgage is a non-purpose loan secured by real estate. The bank does not examine how you use the funds, so you can buy virtually anything. It’s especially advantageous for entrepreneurs — an American mortgage for business owners can be a great way to finance further business development. Compared to traditional business loans, an American mortgage offers several benefits: Long repayment period (up to 25 years) High loan amounts (in the millions) Low interest rate The condition, however, is that you must own a property to secure the loan.
2 Can I use your advanced mortgage calculator without having to provide my contact details?

Yes, our mortgage calculator is designed to calculate monthly payments and interest rates, and you don’t need to provide personal contact information. If you just want to estimate your mortgage on your own, you can. However, neither our calculator nor any of the many online comparison tools will give you accurate conditions or costs associated with the mortgage — or tell you whether you qualify for it. To get those answers, you’ll need to fill out and submit the extended form. Our mortgage advisor will then calculate your mortgage based on your specific situation and recommend the best available option on the Czech market.
3 Why should I wait 24 hours for your mortgage comparison when I can get one in minutes on any online mortgage comparison website?

Comparing mortgages using online tools is quick, but they often don’t use up-to-date information and don’t consider all mortgage parameters — such as processing fees, property valuation, mortgage insurance, and other associated costs. What’s even more important is that they don’t factor in the client’s personal data, which is essential for a high-quality mortgage comparison — like whether the client is applying alone or with a co-applicant, their income source and amount, other loans, personal savings, number of children, or property value and type. Online comparison sites will give you a basic overview — typically showing just monthly repayments and standard interest rates — but without knowing what additional fees you may incur, whether the bank offers a discount or adds a rate premium, or even if you qualify for the mortgage in the first place. The reason our process takes 24 hours is that our mortgage specialists take the time to evaluate all these key factors to ensure you receive a relevant comparison and a recommendation for the best mortgage — one that you’re actually likely to get, and which includes everything you’ll really be paying for beyond just the monthly repayments.
4 How long does it take to compare mortgage offers from different banks and provide a recommendation?

After filling out the mortgage calculator and submitting the fully completed form, we will send you a comparison of mortgage offers from individual banks (or building societies), including a recommendation for the most advantageous one — all within 24 hours.
5 What is the difference between filling out the short form and the extended form?

The short form includes only questions about the parameters of the mortgage you are requesting. The extended form also includes questions about your personal financial situation. Based on the short form, we can only send you a general comparison of mortgage offers from various banks. However, if you want a comparison that reflects your specific situation — including a tailored recommendation for the best mortgage — the extended form is required. Without information about your personal circumstances, we cannot determine which bank will offer you the best mortgage.
6 Can I arrange a mortgage online via the internet?

Yes, it’s possible to arrange a mortgage online. That’s why we created this website — to handle your entire mortgage process online, guiding you through everything without the need to visit either our office or a bank branch. Only the signing of the mortgage agreement must be done in person.
7 Why arrange a mortgage with you? How are you different from other advisors?

This is explained in the comparison of an AMJ mortgage specialist vs. a standard advisor, which you can find above on this page or in the menu under the section “Why Us”.
8 Can I also consult with you about other areas such as insurance or investments, or do you only handle mortgages?

Yes, you can. Just as we have specialists for mortgages, we also have experts for other areas such as insurance and investments.
9 Do you also provide comprehensive personal finance consulting, or do you only deal with mortgage loans?

Yes, we do. Based on an analysis of your financial situation, financial goals, and the products you use, we assess the risks that may negatively impact your standard of living or that of your family. We then prepare a detailed financial plan, including an evaluation of how these risks may affect your finances and assets, and we suggest recommendations to minimize their impact. At the same time, we propose solutions to help you achieve your financial goals as easily as possible. If you're interested, please contact us by email or phone.
10 How long does the entire process take from submitting the form to drawing the mortgage loan?

We aim to make the process as fast as possible, but the processing time depends on the specific case. On average, the time from filling out the mortgage calculator and submitting the form with all necessary information to the actual drawdown of funds from the mortgage is typically 20–40 days.
11 I have a mortgage I’d like to refinance, but the fixed-rate period ends in 3 years — can I address it already now?

Yes, you can. Especially at a time when interest rates are rising, refinancing your mortgage in advance allows you to lock in a currently favorable rate. You can sign a new mortgage contract now and thus secure the terms of the mortgage, but the actual drawdown of funds — that is, repayment of your current mortgage — will take place in three years. Our mortgage advisor will monitor all the deadlines for you to ensure everything happens at the right time.
12 Why is it good to have your mortgage contract in the myPLANN app?

If you request access to the myPLANN app, you can then use it for free and have all important information about your mortgage — including the mortgage contract itself in PDF format — always at hand. In addition to the contract signed with our specialist, you can also upload other agreements related to insurance, loans, investments, and other financial products you use. In case of need, you won't have to search through drawers at home — you can view and download everything anytime from your phone, computer, or tablet.

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