Have you decided on a mortgage? Compare offers and choose the most advantageous one
Are you looking for, or have you already chosen, your dream property and need a loan to finance it? Do not waste time visiting banks and offices. Take advantage of the help of property experts, with whom you can discuss everything you need in a single meeting – and then meet again only to sign the loan agreement. With their help, you will secure the most advantageous loan without wasting time approaching individual banks.
Are you tired of paying rent into someone else’s pocket every month and have finally decided to arrange a mortgage for your own home while mortgage rates remain relatively low? If you are clear about taking out a mortgage, there is no reason to wait. Remember, however, that a mortgage is not a commitment for just a few months, nor, in most cases, for just a few years. By drawing it down, you commit yourself to a debt that you will repay regularly for ten, fifteen or even twenty years. It is no surprise that many people consider seeking expert help when choosing the most advantageous mortgage and deciding on financing. What is more, this service can go hand in hand with the professional search for a suitable property to buy. Reputable real estate agencies offer mortgage services free of charge when you use their services to purchase or manage a rental property.
Why arrange a mortgage with professional assistance
Arranging a mortgage independently is time-consuming. A range of parties are involved, from the Land Registry (katastr nemovitostí) and valuers to the bank. With professional assistance, you will also have access to legal support, ensuring advice from the most qualified experts. Professionals also have closer relationships with bank representatives, allowing them to secure loan terms tailored optimally to your needs thanks to their above-standard banking relationships. Expert consultations, calculations of different options, communication with bank officers, selection of the optimal loan, assistance at the bank and help with mortgage insurance are all included as standard. This saves you considerable time and substantial financial resources. Moreover, the assistance need not end once the mortgage has been arranged.
“We are available to our clients throughout the entire life of their mortgage. Our work does not end when a favourable loan has been drawn down. During repayment, the bank will send you offers of updated interest rates. However, it will usually do so only shortly before the end of the fixed-rate period, so that you do not have enough time to negotiate better terms with a competing bank. We therefore keep track of the fixed-rate date and present a better offer in good time. If a client follows our recommendation, they may not repay the entire loan to a single bank, but they will save a great deal of money on interest. We can help reduce interest rates to a minimum and, in the event of difficulties, negotiate deferred repayments,” explains Mila Faustus, mortgage specialist at Bohemian Estates. Bohemian Estates’ mortgage department is a certified partner of all domestic mortgage banks. Since 2006, Bohemian Estates has provided comprehensive real estate services. It currently manages more than 2,000 flats worth CZK 15 billion.