What happens if you underestimate this?
Your bank will offer their rate
And it might not be the best on the market. Banks rely on clients not comparing.
You only have a few months to decide
Refinancing and bank negotiations take time. Those who wait until the last minute lose negotiating leverage.
1% rate difference = hundreds of thousands CZK
On a 3M CZK mortgage over 20 years, a 1% difference costs over 300,000 CZK more.
Your options after the fixed rate ends
There's no single right path for everyone. We'll show you each option and help you choose yours.
Keep the same term
Accept the new rate from your current bank, keep the same term — but your payment will likely increase. You'll pay off the mortgage on the same schedule.
Extend the repayment period
Keep your current monthly payment even with a higher rate by extending the mortgage term. You pay longer, but the payment stays manageable.
Refinance with another bank
Transfer your mortgage to a bank with a better offer. You'll go through a new approval process, but potentially save tens of thousands per year.
Refinance + cash out
When refinancing, increase the principal and extract cash — for renovation, investment, or debt consolidation. Combine a favorable rate with fresh capital.
Calculate what's coming
Calculation is indicative. Exact numbers depend on your bank, LTV and creditworthiness.
Max. splatnost: 30 let (do 72 let věku, max. 30 let)
Doba do úplného splacení hypotéky — ne doba do konce fixace.
Na cokoli (rekonstrukce, investice…) · max 40 % jistiny = 1 200 000 Kč
Stávající splátka
15 177 Kč/měs
2.00 % · zbývá 20 let · věk 42
Po konci fixace — nová sazba 5.00 %
A — Stejná splatnost
19 799 Kč/měs
Splatnost 20 let · skončíte v 62 letech
splátka navíc
+4 622 Kč
B — Prodloužení splatnosti
16 105 Kč/měs
Splatnost na 30 let · skončíte v 72 letech
úspora vs. A
3 694 Kč
C — Refinancování
19 305 Kč/měs
Sazba 4.70 % · úspora 5 925 Kč/rok
úspora/měs
494 Kč
D — Refinancování + výběr peněz
19 305 Kč/měs
Posuňte slider „Výběr peněz navíc" pro výpočet
How the consultation works
Pay the deposit and choose a time
Online payment of 1,890 CZK via payment gateway. Then immediately choose your consultation time in Calendly.
We gather your situation
Fill in a short questionnaire — balance, term, income, plans. We have everything prepared before the meeting.
2-hour consultation
Online or in person in Brno. We go through all options, calculate numbers, and you get a written report with recommendations.
Deposit credited or returned
If we subsequently arrange your mortgage or build a financial plan, 1,890 CZK is deducted from our fee or returned to you.
Why clients trust us
Záloha, která se vám vrátí
The 1,890 CZK deposit is fully credited or returned if you subsequently take out a mortgage or financial plan with us.
“Konzultace je plnohodnotná služba. Dostanete jasný report a konkrétní doporučení — bez ohledu na to, zda s námi následně uzavřete hypotéku.”
— Jakub Kratochvíla
Frequently asked questions
Book your consultation today
Every month you delay can mean a weaker negotiating position. Booking takes 2 minutes.
Secure card payment. Deposit credited against future services.
Or contact us directly