Home Loans
See what you can afford in seconds
Estimate your monthly payment, find homes that fit your budget, and get matched with a licensed mortgage broker — all in one place.
Estimated monthly payment
1 233 Kč/mo
Loan
240 000 Kč
Total repayable
369 783 Kč
Total interest
129 783 Kč
Illustrative calculation. Kč 240.000 loan, 10-year fixation at 3.74%, 25-year term. Final rate, fees, and approval depend on lender underwriting and your financial profile. Currency follows your navbar selection.
Two ways to move forward
Browse homes that fit this budget, or let a licensed broker line up the financing for you.
Process
How mortgage comparison works
Calculate
Enter the property price, your down payment, and preferred loan term. See your estimated monthly payment instantly.
Compare
Different fixation periods produce different rates. Adjust the term and fixation to find a balance that fits your budget.
Connect
Get matched with a licensed mortgage broker in your country for personalised offers. The right broker searches dozens of lenders for you — free.
Mortgage brokers
Get a real quote from a licensed broker
A good broker compares 50–100 lenders for you, negotiates on your behalf, and costs you nothing — lenders pay the commission. Leave your email and we'll match you with a top-rated broker in your country.
Education
What to look for in a mortgage
LTV ratio
The lower your loan-to-value ratio, the better rate you'll get. Most lenders offer the best rates below 80% LTV.
Fixation period
Shorter fixation (3 yrs) = lower rate now, more risk when it expires. Longer fixation (10 yrs) = predictability at a slight premium.
APR vs. rate
Always compare APR, not just the headline rate. APR includes fees and gives you the true annual cost of the loan.
Early repayment
Check the penalty for paying off the loan early. Some lenders allow 10–20% overpayments per year without fees.
Valuation & legal fees
Lenders require an independent property valuation (€200–€600 typically). Budget for legal/conveyancing fees on top.
Insurance requirements
Most mortgages require life insurance and building insurance. Some lenders bundle it — compare standalone policies too.
FAQ
Common questions
How much can I borrow?+
Most lenders assess affordability using your net monthly income × 8–10 (the 'debt-service coverage ratio'). They also check your credit score, employment stability, existing debts, and the property's appraised value.
What is LTV?+
Loan-to-Value (LTV) is the ratio of your loan to the property's appraised value. Most European lenders cap mortgages at 80–90% LTV, meaning you need a 10–20% down payment.
What is a fixation period?+
During the fixation (also called fixed-rate period), your interest rate is locked in regardless of market changes. After it ends, the loan either reverts to a variable rate or you negotiate a new fixation. Shorter fixation → lower initial rate, but more refinancing risk.
What is APR vs. interest rate?+
The interest rate is what the bank charges on the loan principal. APR (Annual Percentage Rate) includes the interest rate plus fees (arrangement fees, insurance), making it the true cost of the loan.
How does broker matching work, and is it free?+
Tell us your email and we'll connect you with a licensed mortgage broker in your country. The broker compares lenders and finds you the best offer. It's free for you — lenders pay the broker's commission.
Is Landomo a broker, and are the rates accurate?+
Landomo is a real estate aggregator, not a lender or broker — we match you with licensed brokers. The calculator shows representative market estimates, not offers. Your final rate depends on the lender.
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