Solutions for buyers

We will find the ideal property for you

Professional buyer representation — from defining requirements, through searching and viewings, to negotiating the best price and a safe transfer of ownership.

What I can afford

97%

Of buyers search online

5–10%

Savings with professional negotiation

10+

Properties the average buyer views

EUR 0

For the initial consultation

Searching alone vs. with a professional

Buying a property is one of the biggest financial decisions in life. Professional representation significantly reduces risks and often the price as well.

Searching on my own

Limited access to public listings only
No database of off-market properties
Emotional negotiation — risk of overpaying
No check on the legal status of the property
Risk of hidden defects and Land Registry issues
Difficult to navigate contracts and laws
Time-consuming — dozens of hours of searching

Recommended

Searching with REWIN reality

Access to off-market properties
Professional negotiation for the best price
Complete legal audit of every property
Technical inspection and condition check
Safe payment via bank escrow (vinkulácia) or notarial escrow
Complete service from search to moving in
You pay only when you buy — no upfront fees

Buyers without representation face an information disadvantage — the seller usually has a real estate agent who looks after their interests. With professional representation you have an expert on your side who protects your interests and negotiates for you.

What we will arrange for you

A complete service from the first consultation to the handover of keys — everything under one roof.

Defining requirements

Together we define your criteria — budget, location, type, size, layout. We separate the essentials from the nice-to-haves.

Active searching

We search the entire market, including off-market properties. Proprietary technology and contacts that an ordinary buyer cannot reach.

Viewings and assessment

We organise viewings, assess the technical condition and compare against market prices. We uncover problems a layperson would miss.

Professional negotiation

We negotiate the best price and terms for you. We know the market, we know when to push and when to ease off.

Legal audit

We thoroughly check the title deed, encumbrances, easements, community property of spouses (BSM) and building permits. No unpleasant surprises.

Financing assistance

We connect you with mortgage specialists who compare offers from all banks. The service is free for you.

Contracts and the Land Registry

We prepare both the reservation agreement and the purchase agreement, arrange bank escrow (vinkulácia) and file the application for registration in the Land Registry.

Handover and service

We prepare the handover protocol, arrange utility transfers and meter readings. We are here for you after the purchase too.

What I can afford

Find out the indicative maximum property price based on your income, liabilities and savings.

Net monthly income

€

800 €8 000 €

Monthly debts and obligations

€

0 €3 000 €

Savings for purchase

€

5 000 €200 000 €

Repayment term

10 yr30 yr

This calculation is indicative and based on NBS (National Bank of Slovakia) rules - up to 40 % of net income for payments and at least 20 % own funds (80 % LTV). Actual terms depend on the specific bank. In a personal consultation we will help you with a precise calculation.

Price range by income burden

Comfortable · 30 % DTI137 865 €
Recommended · 35 % DTI150 000 €
Maximum · 40 % DTI150 000 €

Recommended maximum property price

150 000 €

at 35 % of net income burden

Recommended scenario details

Maximum loan amount

120 000 €

Monthly mortgage payment

600,75 €

Own funds

30 000 €

20.0 % of price

Interest rate

3.5 %

assumed average

Your savings are limiting the maximum price. With savings of 30 000 € and the mandatory 80 % LTV the maximum is 150 000 €. By increasing your savings or using top-up financing products you can reach a higher price.

Property purchase guide

An interactive checklist that walks you through the entire purchase process step by step. Tick off what you have already done.

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I know my monthly housing budgetAdd up your income and subtract your expenses. The mortgage payment should not exceed 35-40 % of your net income.

I have saved at least 20 % of the property priceBanks require own funds of at least 20 % of the price (10 % if you are under 35). Plus 3-5 % for incidental costs.

I have a mortgage pre-approvalA pre-approval from the bank tells you exactly how much you can borrow. It usually lasts 60-90 days and significantly strengthens your negotiating position.

I understand all the costs associated with the purchaseBesides the purchase price, budget for: expert appraisal (EUR 150-400), Land Registry (EUR 50-300), lawyer (EUR 500-1,000), insurance and any renovation.

I have clear "must-have" and "nice-to-have" criteriaSplit your requirements into essential (number of rooms, location, budget) and nice bonuses (balcony, garage, view). This will help with decision-making.

I know which area I want to live inConsider: commute to work, schools, shops, public transport, noise, safety, planned construction nearby. Visit the area at different times of the day.

I am deciding between a new build and an older apartmentNew build = modern standard, warranty, higher price. Older apartment = better location, lower price, risk of hidden defects. Both options have advantages.

I know what type of property I am looking forApartment, family house, land plot - each type has a different process, costs and risks. A land plot requires verification of utilities and building conditions.

I know how to check the title deed (Land Registry portal)On katasterportal.sk or mapka.gku.sk you can check the owner, encumbrances (mortgages, easements, enforcements) and pending entries (plomby) free of charge. Check all three parts of the title deed (List vlastníctva, LV) - A, B and C.

I have a viewing checklist readyDuring the viewing check: condition of wiring, windows, floors, damp (especially in corners and the cellar), heating, hot water, street noise, neighbours and common areas.

I know what the building reserve fund is and why it mattersFor an apartment, ask the building manager for confirmation of the building reserve fund balance, arrears and planned repairs (insulation, lift, roof), and request the minutes of the most recent meeting of apartment and non-residential unit owners. These costs will be borne by the new owner.

I understand BSM, fractional co-ownership and the pre-emption rightBSM (community property of spouses, BSM) - if the seller is married, the sale requires the consent of both spouses. With fractional co-ownership (several co-owners with ideal shares, e.g. 1/2, 1/3) the other co-owners have a statutory pre-emption right under Section 140 of the Civil Code - the seller must first offer them the share in writing on the same terms and they have 2 months to decide. The exception applies only to transfers to a close person (spouse, direct relatives, siblings). If breached, the omitted co-owner can challenge the validity of the sale within 3 years. Check the state of the title deed (LV) and the seller's marital status before signing the contract.

I understand the reservation agreement and its termsThe reservation agreement fixes the price and takes the property off the market. Insist on: a mortgage approval condition, clear conditions for refunding the deposit and a reasonable timeframe.

I know what the purchase agreement should containKey points: a precise description of the property, the purchase price, the method of payment (bank escrow (vinkulácia)/notarial escrow), deadlines, contractual penalties, and the seller's representations about the condition and encumbrances.

I know the safe ways to pay the purchase priceNever pay the seller directly before registration in the Land Registry. Use bank escrow (vinkulácia) or notarial escrow - the money is released only after registration of ownership.

I understand the Land Registry registration processOwnership only transfers upon registration in the Land Registry (Section 133 of the Civil Code) - not upon signing the contract. Standard registration takes 30 days (EUR 100), expedited 15 days (EUR 300). For electronic filing via slovensko.sk the fees are 50 % lower (EUR 50 and EUR 150 respectively).

What to watch out for when buying

The most common risks and what to ask about before signing the contract.

Title deed (List vlastníctva, LV)

Always verify the owner, encumbrances and pending entries (plomby) on katasterportál.sk. Check all three sections of the LV — who owns it, what is owned and what restrictions apply.

Hidden defects

Damp, cracks in walls, old wiring — pay special attention with older properties. Freshly painted walls may be hiding problems.

Community property of spouses (BSM) and co-ownership

If the seller is married, both spouses must consent to the sale. With fractional co-ownership, all co-owners must consent.

Building reserve fund and manager

For an apartment, request a statement of arrears and the state of the building reserve fund. Find out whether major works are planned — insulation, lift, roof.

Building permits

Verify that all alterations were permitted. Unpermitted construction works (enclosed balconies, removed partition walls) can cause problems with insurance and resale.

Safe payment

Never pay the purchase price directly to the seller before registration in the Land Registry. Always use bank escrow (vinkulácia) or notarial escrow.

Frequently asked questions

How much does buyer representation cost?

The initial consultation is free. Our commission is individual and you pay it only on the successful purchase of a property. In many cases, professional negotiation will save you more than our fee.

How long does buying a property take?

From the start of the search to moving in, it usually takes 2–4 months. It depends on the availability of suitable properties, the speed of mortgage approval and the Land Registry process (30 days standard, 15 days expedited).

How much of my own funds do I need?

At least 20% of the property price (banks require a maximum LTV (loan-to-value) of 80%). If you are under 35, some banks accept up to 90% LTV, meaning 10% is enough. Add 2–5% for ancillary costs.

How to pay the purchase price safely — bank escrow (vinkulácia) or notarial escrow?

Both ensure that the seller receives the money only after ownership has been registered in the Land Registry, but they differ in the level of protection. Bank escrow (vinkulácia) is a bank account where your money is "frozen" and released to the seller once agreed conditions are met (most often once a title deed showing you as the new owner has been provided). Notarial escrow works the same way, but the money is held by a notary — the main advantage is that these funds are not subject to enforcement or insolvency proceedings against either the seller or the buyer, which provides stronger legal protection. Bank escrow (vinkulácia) tends to be cheaper and is sufficient for ordinary transactions; notarial escrow is the safer choice for larger sums or where there is a risk of enforcement. At REWIN reality we will recommend the more suitable option based on your specific case.

Can you help me with a mortgage as well?

Yes — in cooperation with certified financial intermediaries we will arrange a comparison of offers from all banks and select the most favourable mortgage. This service is free for you.

What if I do not like any of the properties on offer?

You pay nothing and have no obligation. Our fee is tied to a successful outcome — buying a property you are happy with. If we do not find a suitable property, no costs arise for you.

What documents will I need?

To start, an ID card and proof of income for preliminary mortgage approval are enough. The other documents — bank statements, an employer's confirmation — you will prepare gradually. We will help you with the entire process.

Every purchase is unique — that is why we approach the search individually. During a free consultation we will define your requirements and propose a tailor-made strategy.

The REWIN reality team

Find your new home

A free, no-obligation consultation — we will show you how to find the ideal property at the best price.

Or call us at +421 914 345 313

We will find the ideal property for you

Searching alone vs. with a professional

Searching on my own

Searching with REWIN reality

What we will arrange for you

Defining requirements

Active searching

Viewings and assessment

Professional negotiation

Legal audit

Financing assistance

Contracts and the Land Registry

Handover and service

What I can afford

Recommended scenario details

Property purchase guide

Financial readiness

Property requirements

Viewings and verification

Contracts and Land Registry

What to watch out for when buying

Title deed (List vlastníctva, LV)

Hidden defects

Community property of spouses (BSM) and co-ownership

Building reserve fund and manager

Building permits

Safe payment

Frequently asked questions

Find your new home