Solutions for financing

I want a mortgage

The right mortgage will save you thousands of euros. Our team of financial specialists will compare offers from all banks and find the most favourable terms for you — completely free of charge.

Calculate the instalment

EUR 150M+

Loans intermediated

1,500+

Satisfied clients

10+

Banking partners

EUR 0

For the advisory service

Where you apply for a mortgage decides thousands of euros

Same client, same property — and yet every bank offers different terms. The difference between the best and worst offer can be as much as EUR 30,000.

Interest rate	Monthly instalment	Total you pay	Overpayment
3,0 %	711 €	213 300 €	63 300 €
3,5 %	751 €	225 300 €	75 300 €
4,0 %	792 €	237 600 €	87 600 €
4,5 %	834 €	250 200 €	100 200 €

* Example for a loan of EUR 150,000 over 25 years

A difference of 0.5% in the interest rate on a loan of EUR 150,000 over 25 years means an overpayment of more than EUR 12,000. For larger amounts and longer repayment periods, the differences are even more dramatic.

Directly at the bank

You see only one offer
The employee sells their bank's products
No comparison with the competition
Every application = a record in the credit register

We recommend

With a mortgage specialist

Comparison of 10+ banks at once
Independent recommendation of the best offer
Access to special rates
Complete handling of documentation
Free of charge — the bank pays, not you

Mortgage calculator

Calculate the indicative monthly instalment and find out how much you will overpay on the mortgage.

Mortgage calculator

Calculate an indicative monthly mortgage payment and see how much you will pay in total.

Loan amount

€

20 000€500 000€

Repayment term

5yr30yr

Interest rate

0.5%8.0%

Results

Monthly payment

711,32 €

Total amount

213 395,09 €

over 25 years

Overpayment

63 395,09 €

42.3 % of loan

* This calculation is indicative and for informational purposes. The actual payment depends on the specific terms of the bank.

How it works

From the first consultation to drawing down the loan — we will take care of everything for you.

No-obligation consultation

We assess your financial situation, plans and options. We advise on the loan amount, repayment term and the documents you will need.

Comparison of offers

We approach all relevant banks and obtain competitive offers for you with the best available rates.

Choosing the best offer

We clearly present all options and help you choose the combination of terms that suits you best.

Handling the documentation

We prepare and complete all necessary documents. We communicate with the bank on your behalf.

Drawing down the loan

We accompany you all the way through to the successful drawdown of the mortgage and the registration of the lien in the Land Registry.

What you need for a mortgage

The basic documents you will need when applying for a mortgage loan.

Proof of income

Confirmation of income from the employer
Bank statements (3–6 months)
Tax return (self-employed)

Personal documents

ID card
Proof of marital status
Confirmation of clean criminal record (if the bank requires it)

Supporting property documents

Purchase agreement or preliminary purchase agreement
Title deed (List vlastníctva, LV)
Expert appraisal (arranged by the bank)

What to watch out for

The most common mistakes when arranging a mortgage and how to avoid them.

Don't compare only the interest rate

The total cost of a mortgage also includes account maintenance fees, insurance and the expert appraisal. Look at the APR (RPMN).

Consider the length of the fixation

Shorter fixation = lower rate, but greater risk. At current rates, a longer fixation often pays off for the certainty of stable instalments.

Do not underestimate refinancing

Before the end of the fixation period you have the right to switch to another bank without fees. Banks count on passive clients — be active.

Do not draw down the maximum

The fact that the bank approves EUR 200,000 does not mean you should borrow EUR 200,000. Keep a financial reserve.

Take advantage of state benefits

If you are under 35, you can claim a tax bonus on mortgage interest of up to EUR 400 per year.

Start early

Start arranging your mortgage before signing the reservation agreement. Processing takes 4–8 weeks.

We work with specialists

Mortgage advisory services for our clients are provided by a team of certified financial intermediaries with many years of experience on the Slovak market. With more than EUR 150 million in intermediated loans and 1,500 satisfied clients, they are among the top in the field.

Their services are completely free of charge for you — they are paid by the bank for intermediating the loan.

Frequently asked questions

How much does mortgage advisory service cost?

For you, the advisory service is completely free. Our financial partners are paid directly by the bank in the form of a commission for intermediating the loan. For you, this does not mean any rate increase or hidden fees.

What documents do I need to apply for a mortgage?

The basic documents include proof of income, bank statements, an ID card and supporting property documents (purchase agreement, title deed). For the self-employed, a tax return is required. The exact list depends on the specific bank — our team will help you prepare everything.

How long does mortgage approval take?

From submitting the application to drawing down the loan, it usually takes 4 to 8 weeks. It depends on the speed of providing documents, the property valuation and the registration of the lien in the Land Registry.

When is the best time to refinance?

Ideally 3 months before the end of the fixation period. At that point the bank will send you a new offer and you have the right to switch to another bank with better terms without any fees.

What is the difference between a fixed and a variable rate?

A fixed rate stays the same during the chosen period (1, 3, 5 or 10 years) and provides certainty of stable instalments. A variable rate changes according to market conditions — it may be lower, but it carries greater risk.

What is LTV and why does it matter?

LTV (loan-to-value) is the ratio of the loan amount to the value of the property. For example, with a property worth EUR 200,000 and a loan of EUR 160,000, the LTV is 80%. The lower the LTV, the better the terms from the bank. The maximum LTV is 80%, for young people under 35 up to 90%.

Can I get a mortgage as a self-employed person?

Yes, but the conditions are stricter. Banks require at least 1–2 tax returns and examine the stability of income. This is exactly where an adviser's edge lies — they know which bank is most favourable to the self-employed.

Every life situation is different — that is why we approach mortgages individually. During a free consultation we will assess your creditworthiness, compare offers from all banks and propose tailor-made financing.

The REWIN reality team

Get the most favourable mortgage

A no-obligation consultation, free of charge — we will compare offers from all banks on the market for you and find the best terms for your situation.

Or call us at +421 914 345 313