We fight for a better mortgage for you

  • Interest reduction of 0.2% compared to your bank
  • Mortgage discount of CZK 40,000 in average 
  • We continuously monitor the best conditions
  • Fast & completely online processing
 4,9 z 5
402 reviews
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✅Loan type:New mortgage
✅Interest:from 4.89%
✅Property value:CZK3,800,000
✅Repayment period:30 years
✅Loan amount:CZK3,200,000
✅Monthly payment:CZK16,964
30 yrs.
5 years
30 years
4,89 %
monthly payment
tax savings
4,89 %
monthly payment
tax savings
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Refinancování hypotéky

Splácíte hypotéku a nejste spokojeni se stávající úrokovou sazbou nebo jinými podmínkami úvěru? Není nic jednoduššího než se poohlédnout po bance, která vám vyjde vstříc a poskytne výhodné refinancování. A jak refinancovat hypotéku? Začněte v naší online hypoteční kalkulačce pro refinancování. Po vyplnění a odeslání základních informací o hypotéce získáte obratem výpočet úrokové sazby a přehledné srovnání řady dalších důležitých parametrů úvěru.

Snadné refinancování

Pokud vás nabídka některé z bank zaujme, můžete plynule pokračovat přímo v hypotečním bankovnictví. Hypoteční specialista vás provede celým procesem refinancování. Společně doplníte informace a dokumenty požadované bankou, potvrdíte si výpočet úroku a dále už vše potřebné vyřídíme za vás.

  • KB
  • CSOB
  • RB
  • CS
  • MMB
  • mBank
  • OBB
  • Creditas
  • HB
  • UCB

💪 Why are we better


  • Focuses only on own products.
  • Wasting time in personal meetings.
  • Mortgages are neglected in banking and relevant information is missing.
  • It will give you a list of required documents, you won't find support in it.
  • It is limited by its methodology, not all cases can be solved.
  • After signing the contract, he is not interested in improving the conditions for you.
  • They won't disclose the fees, it's up to you to gradually reveal them.
  • Lengthy offer up to several days without comparison.
  • You communicate and document everything yourself.
  • We know the whole market - we find the best deal.
  • Order everything online from home.
  • Unique online mortgage banking.
  • We deal with administration and bureaucracy for you.
  • We can handle even complex cases that banks can't handle.
  • The best mortgage for the entire repayment period thanks to the Watchdog.
  • We uncover hidden fees and draw attention to them.
  • Best offer in a few minutes.
  • We take over communication with real estate agency and lawyers.

How does it work

  1. Comparison of all mortgages in Czechia
    5 minutes
    Provide as much information as possible to refine the offer and get better conditions. We'll also get you an online mortgage specialist, who will be at your disposal. After a careful inspection, we'll give you a very specific offer by the next day.
    hyponamiru specialistahyponamiru specialistahyponamiru specialista
    we're online
  2. Mortgage purpose to the bank
    within 1 day
    Non-biding inquiry to the bank. Validation of the supplied documents and identity verification. At this stage, the bank confirms the offered conditions and checks whether it has all necessary documents.
  3. Property appraisal
    within 5 days
    The bank conducts a property appraisal while we're checking the following: an extract of cadastre of real estates, legitimate owner, lien, foreclosures, easements and other mortgages. As a premium service, we can also have the sales contract checked for you by a partner law firm.
  4. Leave paperwork to us
    within 2-7 days
    The list of required documents:
    - extract of cadastre of real estates
    - lien for the property being purchased
    - sales contract (or agreement on the future contract)
    Detailed list of documents
  5. Signing at the bank
    5 days
    The bank will prepare all contractual documentation for you to sign at your preferred bank branch.
  6. Money in your account
    1 week
    We'll help you to meet the requirements for getting money for a property (for example, getting rid of overdraft). We keep an eye on the deadlines so you can use the money as soon as possible and without any penalties.
  7. Monitoring the best conditions
    Our system automatically checks whether you have the best conditions available on the market. You'll get notified in time when there's a possibility to save money or shorten the mortgage term.
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About hyponamíru

We're ready to
fight for a better mortgage for you

We want to make it easier, faster and more convenient for you to get the best deal on a mortgage. As online mortgage specialists, we are aware that we must work exceptionally hard to earn your trust.

We are fully regulated by the Czech National Bank and The Office for Personal Data Protection. It goes without saying that all our specialists are qualified, experienced and friendly.

We've developed technology that allows us to compare over 25,000 mortgage loan combinations, to make sure you always get the best deal. Moreover, we'll partner with you throughout the entire term of your mortgage so that you don't miss out on any extra payments or possibility to refinance.

Like all mortgage brokers, we're paid by the banking houses and will never charge you any extra fees. We are here for you anytime, anywhere.

Hyponamíru team