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Mortgages in Slovakia for non-residents and EU/OECD citizens

In Slovakia, unlike many other countries, non-residents can purchase real estate and land for development by either paying in full or securing a mortgage from a Slovak bank. It is indeed possible for foreigners to obtain a mortgage in Slovakia, though there are a few unique aspects to consider. The primary challenge for non-residents lies in the lack of a residence permit and economic activity within the country, which limits the amount of available information banks can access about you. However, this does not make getting a mortgage impossible; it may simply mean the loan amount will likely be lower than that offered to residents. Slovak banks offer mortgages to residents, EU citizens, and citizens of OECD countries. For some nationalities, however, obtaining a mortgage may not be feasible. Togetthere Estate consultants can assist you in navigating the Slovak mortgage landscape and assessing your eligibility. They can request a preliminary decision from the bank on the possible mortgage amount, help select suitable properties, prepare the necessary documentation, and handle negotiations with banks. Togetthere Estate ensures the security and transparency of the entire transaction process.

Licensed Mortgage Consultants
Licensed Realtors
Extensive international experience
Well-established connections with banks in Slovakia
Minimizing risks
Comprehensive support at all stages
Leave a request for a free consultation

    What services do we offer?

    Mortgage
    Real estate
    Other services
    Analysis of financial situation
    Our consultants carefully study your citizenship, residence, as well as your current financial situation, including income, expenses and credit history, to offer optimal mortgage solutions that suit your needs.
    Choosing the best mortgage offer
    Based on the analysis, we select available lending options, taking into account interest rates, repayment terms and special conditions offered by various banks and developers.
    Mortgage Planning
    Based on your preferences, we will develop a plan for purchasing real estate based on your available personal funds and the required mortgage amount. It is important to understand in advance what you can expect before applying to the bank in order to prepare for a successful loan and choose the best conditions.
    Negotiations with banks
    Our specialists negotiate with banks on your behalf to obtain the most favorable terms and interest rates for your mortgage loan.
    Solutions for clients with negative credit history
    If you have a poor credit history, insufficient income as an employee or self-employed person, or have been rejected by other banks, we can help you find suitable mortgage options.
    Support and assistance during the process
    We provide assistance in resolving issues when communicating with the bank, lawyers, developers, the cadastral office and other authorities necessary to achieve a successful result.
    Analysis of financial situation
    Our consultants carefully study your citizenship, residence, as well as your current financial situation, including income, expenses and credit history, to offer optimal mortgage solutions that suit your needs.
    Choosing the best mortgage offer
    Based on the analysis, we select available lending options, taking into account interest rates, repayment terms and special conditions offered by various banks and developers.
    Mortgage Planning
    Based on your preferences, we will develop a plan for purchasing real estate based on your available personal funds and the required mortgage amount. It is important to understand in advance what you can expect before applying to the bank in order to prepare for a successful loan and choose the best conditions.
    Negotiations with banks
    Our specialists negotiate with banks on your behalf to obtain the most favorable terms and interest rates for your mortgage loan.
    Solutions for clients with negative credit history
    If you have a poor credit history, insufficient income as an employee or self-employed person, or have been rejected by other banks, we can help you find suitable mortgage options.
    Support and assistance during the process
    We provide assistance in resolving issues when communicating with the bank, lawyers, developers, the cadastral office and other authorities necessary to achieve a successful result.

    How we solve your issues: Step-by-step instructions

    Mortgage

    Why is it secure to arrange a mortgage with us?

    Many years of experience in the mortgage lending market
    Togetthere Estate & FinReal Go have many years of experience in the Slovak mortgage market, which allows them to offer proven and effective solutions. Thanks to their deep knowledge of banking processes and lending in Slovakia, they help clients find the best options even in the most difficult situations.
    Individual approach to each client
    The company takes into account all the nuances of your financial situation, offering personalized solutions that are ideal for you. This approach ensures that you receive the most favorable conditions that correspond to your capabilities and goals.
    Wide choice of partners among banks and financial institutions
    The company cooperates with many banks and financial institutions in Slovakia, which allows them to offer you a variety of mortgage product options. This significantly increases the chances of getting a loan on favorable terms and reduces the risk of refusal.
    Complete transparency and no hidden conditions
    With Togetthere Estate you can be sure of complete transparency of all conditions. Consultants explain each stage of the process in detail, disclose all the details of the contract and warn about possible risks, which eliminates unpleasant surprises in the future.
    Comprehensive support at all stages
    Togetthere Estate provides full support at every stage of the mortgage process – from the initial consultation to signing the contract. This removes all bureaucratic burden from you and ensures that the transaction goes smoothly and without delays.

    Working with Togetthere Estate & FinReal Go consultants on international mortgages offers substantial advantages for non-residents interested in purchasing property abroad. Our team of experts assesses your financial situation and selects optimal mortgage solutions tailored to your unique needs and capabilities. We assist you at each stage of the process—from document preparation to negotiations with banks—to secure the most favorable lending terms. Legal support provides you with confidence in the transaction’s security, while the personalized approach of Togetthere Estate & FinReal Go consultants makes the property purchase process smooth and straightforward. With us, you can be assured that all aspects of international mortgage financing are carefully considered, with your interests protected every step of the way.

    Reviews

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    Yael Oh
    My husband and I moved to Slovakia a long time ago, but all this time our main dream was to move my parents here. We faced a lot of difficulties - from paperwork to finding a place for them to live. Everything seemed so confusing and we were losing hope. But then we found Togetthere and turned to Alexander for help. He helped us literally every step of the way - from preparing all the paperwork to how best to organize their arrival. Thanks to his professionalism and patience, we were able to move our parents without any problems, and now our family is together again. Thank you so much for your support and sincere care!
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    Adi Z
    I am a freelance photographer and when I moved to Košice, I was faced with the task of how to open a sole proprietorship and work officially. I was threatened with heavy fines, so I decided to get legalized as soon as possible. I didn't know where to start, and honestly - I was shocked. I found a couple of firms on Google and chose Togetthere because I liked their website and the fact that many Israelis use their services. Their team just saved me! Everything was done quickly and without stress: they helped me with the documents, explained all the details and answered all my questions. Thanks to them I can now work calmly and not worry about the legal side of my work.
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    Jonotan K
    When I started my business in Slovakia, I faced some confusing accounting and reporting issues. To be honest, I did not want to get into the local processes, but wanted to find someone who understands the local tax rules. A friend, who has been in Bratislava for over 8 years, advised me to contact Togetthere company, they had set up accounting in his Slovak company and it was a great solution. Their specialists quickly sorted out my situation, put all the documents in order and set up reporting so that I am now confident that everything will be done on time and correctly. Now I don't have any extra headaches related to taxes and reports, and I can go about my business in peace.
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    Zaytun P.
    16/03/2024
    Thanks a lot to Alex and his team for the good job, Me and my family successfully moved from India to Slovakia and now we have a Blue card!))))) Thank you again.
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