I own a property

Property-backed finance, even if the bank said no.

For businesses, OSVČ (self-employed) and private individuals. Even with an adverse credit record.

Unsecured
up to CZK 300,000
Secured against property
up to CZK 10 million
Term
up to 15 years
Explore financing options

We speak English · Free consultation

I want a home of my own

A home without a mortgage, through a housing cooperative (družstvo).

New-build and existing properties throughout Czechia. Without the piles of paperwork banks require.

Personal contribution
we can help with the 20%
Age and nationality
are not barriers
At the end
ownership transfers to you
Find out if I qualify

We speak English · Free consultation

01 · Property-backed financing

Your property has value, even if the bank focuses mainly on your credit record.

We assess each situation individually: the property, ownership arrangements and whether the repayments are affordable for you.

For businesses and the self-employed

For operating expenses, supplier payments, investments or releasing capital tied up in property.

Unsecured loanup to CZK 300,000
Loan secured against propertyup to CZK 10 million
Sale and leasebackrelease of capital
Repaymentannuity or interest-only payments

For private individuals

We can also arrange property-backed financing for people who do not run a business. We always start with a consultation to discuss your needs, the property you own and the repayments you can afford. Only then do we propose a specific solution.

Arrange a consultation

  1. Short form

    Tell us how much you need and what for.

  2. Supporting documents

    For example, your 3 most recent bank statements.

  3. Assessment and terms

    Amount, loan term and repayment method.

  4. Signing and disbursement

    Funds paid out as quickly as possible.

02 · Housing without a mortgage

A home of your own without a mortgage. Even if the bank said no.

Property prices have risen so sharply that many people on typical incomes can no longer qualify for a mortgage. Cooperative housing offers a way to get a home of your own without a bank.

  1. Choose your property

    A new-build or an existing flat or house, anywhere in Czechia.

  2. The cooperative buys the property

    You become a member and move in.

  3. Make repayments

    You pay the agreed monthly amount and live in a place of your own.

  4. Transfer the property into your name

    After a period of time, refinance with your own mortgage or pay the remaining balance and transfer the property into your personal ownership.

  • We can also help with the 20% personal contribution, so you do not have to wait until you have saved enough.

  • No piles of paperwork. We assess your circumstances sensibly.

  • Age is not a barrier. Even later in life, when banks turn you down.

  • Also for foreign residents living in Czechia.

Find out if I qualify

We also help with

A property share, debt or inheritance you cannot resolve.

We buy even small ownership shares. You receive the money before registration in the Land Registry, and we can complete the entire process in as little as 24 hours.

Describe my situation

  • Disputes between co-owners

  • Enforcement proceedings and debts secured against property

  • Inheritance involving multiple owners

  • Urgent sale required

  • Exchange for another property

  • Buyback on terms agreed in advance

We buy: ownership shares (including 1/10 or 2/34), flats and family homes, land and gardens, holiday cottages, commercial premises and bodies of water.

How it works

  1. Write to us

    A few sentences in your own words are enough. No documents are needed at this stage.

  2. We discuss your situation

    We call you, ask for a few more details and let you know within 24 hours whether we have a solution.

  3. We choose the best solution for you

    We assess your situation and suggest a way forward that makes sense for you.

  4. We connect you with a specialist

    With your consent during the call, we share your information with a partner registered with the Czech National Bank, who handles everything through to signing.

We never share your information without your consent. We work only with specialists registered with the Czech National Bank.

A real-life example

“The bank turned me down because of an old entry on my credit record. Yet my business is doing well and my house is fully paid off.”
A self-employed professional from the Moravian-Silesian Region

Our approach. We spoke the next day and discussed how much the business needed and for how long. We checked the property in the Land Registry and prepared a proposal with monthly interest-only payments.

The result. CZK 5.2 million in 24 days.

When we cannot help. And we will tell you upfront.

We do not want to sell you a solution that will not help. We will tell you on the first call, not weeks later.

  • The solution would only postpone the problem. If you would be in the same situation a year from now, we will not pressure you into anything.

  • You do not own a property or a share in one. This is a requirement for financing.

  • You do not have an active IČO (Czech business ID) and want an unsecured loan.

Frequently asked questions

Yes, if you own a property or a share in one. For private individuals we always start with a consultation and agree the terms individually.

Tell us about your situation

A few sentences are enough. We will discuss the details by phone.

What happens next: we will usually call you within 24 hours on working days and work with you to assess the most suitable solution. Only with your consent will we share your information with a partner registered with the Czech National Bank. The call carries no obligation: there is nothing to sign or pay for.

We do not need your personal identification number or bank statements at this stage.

We will call you in English or Czech – just tell us which you prefer.

What can we help with?
You are
Preferred language for the call

We usually reply within 24 hours on working days.
We will only use your details to contact you. More about personal data processing