Is this a binding bank approval?

No. You get an indicative probability and practical next-step guidance, with an optional broker introduction.

Do you store questionnaire answers?

No. Your answers power only the live calculation and broker-fit suggestion. Afterwards we do not keep them as a stored profile.

Hypo.online

Mortgages in the Czech Republic — expat-friendly

Two-minute mortgage check: indicative approval odds and a clear next step.

This is not a bank decision. An automated pass estimates how lenders might view your file, suggests a practical next step, and can introduce a licensed mortgage broker when that helps.

~2 minNo questionnaire dossier stored

Start the 2-minute mortgage check

No obligation. Your answers are used only for this run — expand "How we treat your answers" below for details.

hypo.online helps people in Czechia decide whether a mortgage is realistic now — especially foreigners, mixed couples, and self‑employed applicants. The flow is deliberately short: enough signal for brokers, not a 40‑field bank form.

Step-by-step: how it works

AI probability + semaphore are marketing-grade summaries. Brokers may decline a lead after KYC — that is normal in lending.

What you get

Quick orientation before banks invest their time — with a broker handoff when you want expertise on tap.

Market coverage

We work with mortgage specialists across the CZ/SK market. The right bank always depends on your profile.

What the check does

One-off scoring from your answers, hints on weak spots, and broker matching by language, goal, and complexity.

After the result

Optional contact: a broker sanity-checks your documents and maps a realistic plan with a concrete next action.

How this compares

Factorhypo.onlineTypical bank branchDoing the research yourself

Speed to clarity2-minute passLonger appointmentHard to benchmark banks fairly alone

PersonalisationAI + broker lensSingle-bank product viewThin situational context

Next stepClear suggestionDepends on who is availableHigh uncertainty

How we treat your answers

Used only for this check and broker matching — we do not build a long-term profile from your answers.

Useful pages

Mortgage guide (CZ)

LTV and income topics are also in the guide.

Privacy in short

We do not retain questionnaire content after the session. The full policy covers retention, legal basis, cookies, and your rights.

Full privacy policy