Mortgage Advisor for Expats in Prague & Czech Republic

Helping Foreign Buyers Secure Czech Mortgages — Clearly, Safely, Stress-Free.

Specialist in English-speaking mortgage advisory for foreigners buying property in the Czech Republic.

✔ 13+ years helping expats secure mortgages in Czechia
✔ Deep knowledge of Czech banking system & approval criteria
✔ Full communication and negotiation with banks in English
✔ Limited number of clients for truly personalized service

For over 14 years, I have guided expats through the complexities of securing a mortgage in the Czech Republic — combining deep banking expertise with personal, attentive service.

Today, I work with a limited number of clients each month to ensure every client receives full focus, strategic guidance, and seamless communication throughout the entire property journey.

Unlike standard mortgage processing, my role is to anticipate challenges before they arise, negotiate with banks on your behalf, and create a tailored mortgage strategy aligned with your long-term goals.

Trusted by expats relocating to Prague since 2010

HOW I HELP EXPATS

how I Help Expats Secure Mortgages in Prague?

Buying property abroad comes with unique challenges — language barriers, unfamiliar banking rules, and complex paperwork. I simplify the process by:

✔ Comparing mortgage offers from multiple Czech banks
✔ Managing communication and negotiations in English
✔ Guiding you step-by-step through documentation
✔ Helping avoid common pitfalls foreign buyers face
✔ Saving you time by handling the process for you

My service is free for clients, as I am compensated by partner banks.

How Foreigners Get a Mortgage in the Czech Republic (Step-by-Step)

Initial Consultation → Free consultation to understand your situation and eligibility.

Personalized Analysis → Strategic mortgage options aligned with your profile.

Documentation & Application → Full support preparing and submitting applications.

Approval & Property Purchase → Coordination with agents and banks.

Ongoing Support → Available for future refinancing and questions.

WHY CHOOSE MY

Why Expats Choose My Mortgage Advisory

✔ Specialist in expat mortgage cases
✔ Access to multiple Czech banks without visiting them individually
✔ English communication — no Czech required
✔ Clear explanations without banking jargon
✔ Limited clients = high-touch premium service

Testimonials from Expat Homeowners

Without Lenka, I simply wouldn't be able to get a mortgage. I was a foreigner, and I was OSVC, and this situation made it almost impossible for me to get a mortgage. But because of Lenka's deep connections with the industry, and her tenacity and drive and care in dealing with me as an individual client, finding the best and only solution for me, I was able to get a mortgage and a flat. I was able to transform my life and my financial situation. I cannot thank Lenka enough, and I cannot recommend her enough. She is simply the best mortgage advisor you will find in the Czech Republic. Skrýt
Ben Giordano, via Google 2025

I am an expat and was looking for a mortgage in Czech Republic, which can be sometimes more complicated. Lenka was a great help and very pleasant to communicate with in English language. If we had any questions, she immediately was at our service and sort things out. We didn’t regret contacting her and we recommend her to everyone.
Fernando Salgado Pedro, 2019, via GooglePhotograph

Lenka is amazing. She is helpful professional and has the best offer. You can trust here she make all the paper stuff. I love her work and she brought me to my apartment. Next property definitely with her. Especially when you are a foreigner you should her on your side. And the best thing is. It’s for free 🙂
Heinrich Wagner, 2020. via GoogleSiemens

Lenka helped us to successfully obtain a mortgage to buy our home in Prague. As first-time buyers, we had a lot to learn, and greatly appreciated Lenka's knowledge and patient explanations. She helped us understand the trade-offs between the mortgage products on offer, supported us through the whole application and drawing process, and took care of many interactions with the bank on our behalf. We have no hesitation in recommending Lenka; she was helpful and professional throughout, guided us to a successful outcome, and made it all much easier than we had expected.
Jonathan and Iryna Worthington, 2020, via Google

Lenka Vagnerova was such a huge help to us. We couldn't have bought our flat in Prague 6 without her tireless efforts. She was always there, willing to answer a question or meet in person or get the right paperwork for us. She put in so many hours on our behalf, there is no way we can say enough. Thank you so much, Lenka!
Grant Podelco, 2016, via GoogleRadio Free Liberty

Lenka was always very helpful with my concerns about the mortgage and available at any time. She solved any doubt or question in an easy, quick, and understandable way. I would recommend her to everybody.
José Luis Ros Santaella, 2020, via Google

I was very glad to be introduced to Lenka by a colleague. She has been a key person in the process of organizing the best possible mortgage and also cooperating with the real estate broker. She not only explained all the processes to me step by step, but also made sure I had all the information at my disposal to make the best decision. Lenka definitely made the process of purchasing a property in Prague a lot easier and fun! I highly recommend her and would definitely work with her again.
Amna Husain, 2020, via GoogleSiemens

Very happy to work with Lenka this year. She was always prompt with emails. Thank you for helping me become a homeowner!
Igor Popstefanija, 2021, via Google

Working with Lenka was just great. She is very responsive and basically there for you 24/7. Not only she gets you better conditions for your mortgage, she can also speed up things. A big plus is certainly also her understanding of all the admin processes that makes everything quite simple to handle. Diky 🙂
Nicoali Urbaniak, 2021, via Google

I was recommend to Lenka by a colleague, and this was the best decision ever in my property purchasing process! My case is a bit complicated and without Lenka's help, I might couldn't get a mortgage on time thus would lose the paid deposit. She is VERY professional and holds an excel understanding of all the processes. In addition, she is super helpful and responsible; emails were replied promptly within hours and there was no exception even during the weekends! I highly recommend Lenka to everyone and am looking forward to work with her again in the future!
Daisy MI, 02/2022, via Google

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All Testimonials, google reviews you can find here

Get Started Today

To explore your mortgage options, please complete the brief questionnaire below and send it to: lenka@kvulibydleni.cz

Book Your Free Expat Mortgage Consultation

Discuss your situation during online email consultation — no obligation.

Contact Information:
Lenka Vagnerová
Email: lenka@kvulibydleni.cz
Phone: +420 720 029 255

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