Mortgage Refinancing

„The fixed interest period was about to end so I went for it. Good thing I did.“

Payment options based on your needs

The Variable Payment feature allows you to increase or decrease your repayments by up to 30% or even suspend payments for up to 3 months.

Arrange online quickly and conveniently

Is it possible to arrange savings on your mortgage without getting out of your chair? Yes, it is. We will work with you to refinance your loan without the need for you to visit one of our branches.

No processing or maintenance fees

Forget about any processing fees. Furthermore, we’ll arrange for your property to be valued free of charge.

Calculate how much you will save if you remortgage to us


Have you had a better offer?

If you've had a better offer elsewhere, call us on 800 879 888 or leave your contact details and we'll get back to you!

Save on interest

You can obtain a more favourable interest rate up to one year before the expiry of the interest rate arranged at your current bank.

Refinancing your mortgage is fast

There is no need to have a new property valuation done or to set up an account at Česká spořitelna. All you need is a simple confirmation of your income.

160 000

clients have a mortgage with us

one quarter of all mortgages are taken out with Česká spořitelna

100 %

recommend online refinancing

everything can be arranged without having to visit a branch

2 000

new clients per month

take a mortgage with us

You may be interested in

Frequently asked questions

Yes, you can thanks to our mortgage equity.

None. Even the property valuation is free of charge.

Yes, we offer special payment protection insurance.

Representative example: The total amount of the loan is CZK 2 500 000. The monthly repayments are CZK 11 059 (including principal and interest). Number of repayments: 300. The interest rate is fixed for five years at 2.34 % per annum. The fees associated with the loan form part of the total loan costs and include administration fees of CZK 4 000 for entering and deleting the bank’s mortgage interest over the property in the land registry and a property appraisal fee of CZK 3 900. Loan term: 25 years. The annual percentage rate charged (APR) comes to 2,43 % and the total amount to be repaid by the consumer is CZK 3 318 669 (assuming the interest rate does not change for the entire term of the loan).

Interest rates take into account the discount for making repayments from an active Česká spořitelna Personal Account (0.5%) and the discount for arranging payment protection insurance from the insurance company Pojišťovna České spořitelny (0.2%). The interest rates are available for loans of up to 85% of the property value as determined by the property appraisal (LTV). There is no mortgage establishment fee or administration fee. Statements are provided free of charge. More information can be found here. If you wish to choose a different fixed-interest rate period than that which is set out in the options, please contact our mortgage Specialist on tel.: 956 777 455.

Note: The representative example and loan calculator are for informational purposes only. They do not constitute an offer to enter into any contract or the obligation to enter into a loan agreement or any other banking service agreement with us.

All calculations and data, including information about interest rates and monthly payments, are estimates only. Final loan terms may differ depending on your credit rating and assessment of your ability to repay the loan. The terms will be set out in your loan agreement.

The provider is not providing advice in accordance with Section 85 of Act No. 257/2016 Coll., on Consumer Credit.

Important Documents

Česká spořitelna
Bankovnictví budoucnosti.