No commitment, ~2 minutes. Answers stay only for this live check and broker matching; we do not keep them afterwards.
Mortgages in the Czech Republic — expat-friendly
See in 2 minutes if your mortgage case is realistically approvable.
No running between banks. One-off automated scoring routes you to the right licensed broker for your case — questionnaire answers are not stored.
- Questionnaire answers are used only to compute your result, identify the most suitable mortgage broker for your case, and are not stored afterwards.
- If you request contact, we keep only name, email and phone for broker handoff.
- Broker matching can weigh language, financing goal, and non-standard situations (foreign income, enforcement, non‑EU residency, and similar) — without building a long-term questionnaire dossier.
Coverage
We work with mortgage specialists across CZ/SK market coverage. Bank choice depends on your profile.
What AI does for you
• One-off scoring from your answers — nothing is kept as a long-term dossier.
• Suggests the best-matching broker by language, financing goal, and case complexity (e.g. foreign income, enforcement, non‑EU).
• Surfaces weak points before you talk to a human broker.
Input
Income, goal, timeline
Scoring
AI model + bank-like rules
Matching
Broker + next step
How broker collaboration works
- 1. After result, send contact (optional).
- 2. Broker calls and confirms document needs.
- 3. You get a realistic path and next action.
Mortgage path comparison
| Factor | | Bank branch | No guidance |
|---|---|---|---|
| Speed to orientation | 2-min check | Longer consultation | Unclear |
| Personalization | AI + broker | Single-bank lens | Low context |
| Next step clarity | Clear recommendation | Capacity-dependent | High uncertainty |
How it works
hypo.online helps people living in Czechia understand whether it is realistic to pursue a mortgage now — especially foreigners, mixed couples, and self-employed applicants. The flow is short on purpose: enough signal for brokers, not a 40-field bank form. We do not keep questionnaire answers after scoring — they exist only to power the live estimate and broker matching for your specific case.
1) You answer a few focused questions
Typical topics: what you are solving (purchase vs refinance), how your income is structured (employment in CZ, self-employed, foreign employer), and rough timing. Everything is mobile-friendly with one decision per screen.
2) An AI-style model estimates an approval probability
Our backend runs an automated scoring model (machine-learnable rules today; you can swap in a hosted LLM later). It outputs a percentage that represents indicative bank-friendliness — not a promise. The same pass also informs which partner broker profile fits best (language, case shape, complexity). Questionnaire answers are not stored afterwards as a customer dossier. The final decision is always with the bank after full documentation.
3) You see a semaphore: green, yellow, or red
Green suggests a relatively smoother path on average. Yellow and red often mean more documentation, residency, or income-proof complexity — but they are not “stop” signals. Many good files start yellow and finish green after broker structuring.
4) Yellow and red leads are still processed
We intentionally keep the contact form for every colour. Brokers frequently earn their fee on non-obvious cases. If you want human help, you can always leave your details — the broker team triages urgency and next documents.
5) Optional contact → licensed mortgage brokers
If you submit your name, email and phone, we route the lead to partner mortgage brokers in Czechia. They contact you about realistic banks, rates, and paperwork — in line with your language where possible.
6) What we never do
We do not pretend to be a bank, we do not store your questionnaire payload after scoring (including for remarketing), and we do not replace regulated advice. Matching logic can reflect how you want to communicate, what you finance, and harder contexts (e.g. enforcement, foreign income, non‑EU residency). Use the output as orientation, then let a professional review your actual documents.
AI probability + semaphore are marketing-grade summaries. Brokers may decline a lead after KYC — that is normal in lending.
SEO entry points for faster decisions
Practical pages for top mortgage questions. Each page leads into the quick check and broker handoff.
Privacy
We process personal data transparently and only to the extent necessary for the hypo.online service. Questionnaire answers for the quick check are used solely for the on-the-spot automated evaluation and broker matching; we do not retain them as a lasting profile after that run. Optional lead handoff uses only the contact details you choose to send. We also comply with legal obligations.
This page summarises key GDPR-related information. It does not replace individual legal advice. For questions about your data, write to hello@hypo.online.
Data controller
The controller of personal data processed in connection with the hypo.online website and related services is mareke solutions s.r.o., Company ID (IČO): 29415675, with its registered office at Korunní 2569/108B, Vinohrady, 101 00 Prague, Czech Republic.
For exercising your rights or privacy questions, use the email address hello@hypo.online.
Purposes and scope of processing
- Operating the website and the indicative mortgage check (questionnaire answers used only for the immediate AI-style evaluation and to identify the most suitable licensed mortgage broker for your case — e.g. language, financing goal, or non-standard situations; not stored as a long-term profile).
- Optional processing of contact details you voluntarily submit so a partner mortgage broker can contact you.
- Compliance with legal obligations applicable to the controller (accounting, tax, responses to regulators or courts where relevant).
Legal bases (GDPR)
Depending on the situation, we rely on: performance of a contract or pre-contractual steps at your request (Article 6(1)(b) GDPR); compliance with a legal obligation (Article 6(1)(c)); legitimate interests such as fraud prevention, IT security, or improving the service, where not overridden by your interests (Article 6(1)(f)); and consent where required, e.g. for non-essential cookies or certain marketing analytics (Article 6(1)(a)).
Retention
Data are kept only as long as necessary for the given purpose. Indicative questionnaire data used solely for the live calculation and broker matching are not kept as a permanent customer dossier after the session ends. Contact details provided for broker handoff are kept for the period necessary to respond and to document the relationship, in line with internal policies and law. Technical logs may be kept for a limited security window.
Recipients and processors
Personal data may be disclosed to: partner mortgage brokers where you request contact; IT and hosting providers that process data on documented instructions (processors); and authorities where the law requires it. We do not sell your personal data.
Transfers outside the EEA
If tools with a non-EEA component are used (e.g. certain cloud or analytics providers), transfers take place on the basis of appropriate safeguards under GDPR (such as Standard Contractual Clauses) and provider documentation. You may request more detail via hello@hypo.online.
Your rights
Under the GDPR and, where applicable, Czech Act No. 110/2019 Coll. (personal data processing), you may request: access to your data; rectification of inaccurate data; erasure (“right to be forgotten”) where conditions are met; restriction of processing; data portability where processing is based on consent or contract and automated; objection to processing based on legitimate interests; and withdrawal of consent where processing is consent-based (without affecting prior lawful processing).
Where the service offers a self-service deletion action after you submit a lead, you can use that flow in addition to emailing hello@hypo.online.
Cookies and similar technologies
Essential cookies may be used to run the site. Optional analytics or marketing cookies are used only with your consent via the cookie banner or settings where available. You can change browser settings to block cookies, which may limit some features.
Right to lodge a complaint
If you believe processing infringes the law, you may lodge a complaint with the Czech Office for Personal Data Protection (Úřad pro ochranu osobních údajů), Pplk. Sochora 27, 170 00 Prague 7, www.uoou.cz.
How data flows in hypo.online (summary)
- Questionnaire data for the quick check: used only for the immediate evaluation and to identify the most suitable licensed mortgage broker for your specifics (e.g. language, financing goal, enforcement, foreign income, non‑EU residency, and similar); we do not store them after this calculation.
- Contact data (name, e-mail, phone if provided): used to pass your request to a partner mortgage broker and for related follow-up.
- Analytics: the questionnaire flow does not ask for or record analytics consent.
- Deletion: where the product allows, you may request deletion from the result view after submitting contact details; you can always contact hello@hypo.online.