Buy-to-let Mortgage

Are you looking to invest in a buy-to-let property?
When you apply for a buy-to-let mortgage, we can add the future rental income to your regular income to significantly increase your chances of getting the loan.

Fast approval

We will process your mortgage within 3 days after you provide us with the necessary documents.

Repay the mortgage with the rental income

We will assess your income including future rental income.

Minimal costs

There is no charge for arranging and maintaining your mortgage.

Variants of a Buy-to-let Mortgage

Residential property

Buy-to-let Mortgage on residential property

With a Buy-to-let Mortgage you can finance an apartment or a house that you will rent out on a long-term basis.

You can borrow up to CZK 20 million.
Repayments can be spread over 5–30 years.
You can fix the interest rate for 1–7, 10 or 15 years.
When assessing your application, we may include future rental income in your regular income.
We will lend you up to 70% of the value of the property you pledge.
Up to 4 people can apply for a mortgage together.

Calculate mortgage

Commercial property

Buy-to-let Mortgage on commercial property

You can use a buy-to-let mortgage to finance a commercial property that you will let on a long-term basis, such as a non-residential unit, an apartment building, a non-residential building with residential units, an office building or a multi-purpose building.

You can borrow up to CZK 12 million.
Repayments can be spread over 5–20 years.
You can choose a fixation period of 1–7, 10 and 15 years.
When assessing your application, we may include future rental income in your regular income.
We will lend you up to 70% of the value of the property you pledge.
Up to 4 people can apply for a mortgage together.

Visit our mortgage center

Residential property

Commercial property

Buy-to-let Mortgage on residential property

With a Buy-to-let Mortgage you can finance an apartment or a house that you will rent out on a long-term basis.

You can borrow up to CZK 20 million.
Repayments can be spread over 5–30 years.
You can fix the interest rate for 1–7, 10 or 15 years.
When assessing your application, we may include future rental income in your regular income.
We will lend you up to 70% of the value of the property you pledge.
Up to 4 people can apply for a mortgage together.

Calculate mortgage

How to Arrange a Mortgage

Offer with Guaranteed Rate

You can calculate your mortgage in our calculator, where you can easily find out how much we can lend you. We will send you the offer via email right after you click on "Získat nabídku" and fill in a few details. Our offer does not bind you to anything, while we guarantee you the interest rate for 30 days.

Calculate mortgage

Fill Out the Application

From the guaranteed offer, you can smoothly proceed to the mortgage application, or you can choose a date for us to call you if you need advice. We can fill in the application together over the phone, or you can complete it later. After you submit the application, mortgage advisor will call you to finalize the property appraisal and sign the contract.

Property Valuation

We will appraise your property online or arrange for an appraiser to contact you.

Approval and Signing the Contract

Once you provide us with the necessary documents, we will process your mortgage within 3 days. After the mortgage is approved, we will send you the contract for review. You can discuss the contract with mortgage advisor and agree on how to sign it. You can sign the contract in person at our mortgage center or electronically through online banking.

Draw Down the Mortgage

You can draw down the mortgage in a lump sum or gradually. It’s entirely up to you. You can submit a drawdown request through online or mobile banking.

Our mortgage centers

Would you prefer not to handle the mortgage online, but rather in person with our mortgage advisor at a mortgage center? Visit us at one of our mortgage centers.

Choose a mortgage center

Mortgage documents

Application for a mortgage Application for a mortgage - enclosure Income Confirmation