Free for you. I’m compensated by the financial market without affecting your deal terms. No hidden fees.
Yes. Online meetings and electronic documents - I save your time by handling every stage of the process.
Yes. I provide a full analysis with recommendations on what can be improved and what’s better left as is.
Mortgages (including refinancing), life/health/property/liability insurance, investments and pension plans, financial planning, and ongoing support.
With people living and working in the Czech Republic: employees, self-employed (OSVČ), mixed-income clients, families, and IT specialists. I work across the country - both online and offline. I speak Russian, English, and Czech, and understand Ukrainian.
On average, 2-4 weeks from the moment all documents are complete. Urgent cases are discussed individually - I’ll tell you honestly what’s realistic.
Yes. It depends on the bank and your accounting method (actual expenses or flat-rate). I’ll show you which banks correctly assess your income and how to prepare your tax returns to increase your chances.
Потому что дёшево в рекламе часто значит дорого в страховке и дополнительных услугах. Я показываю полную стоимость владения: ставка + страховки + комиссии + условия досрочного погашения.
Yes. It makes sense when your rate or financial situation changes. I’ll compare offers across banks and calculate the potential savings, including all related costs.
Yes. I select coverage limits based on real risks, not “to make it more expensive.” I explain where you’re overpaying and where coverage is critically insufficient. Every decision is made together.
No. It’s about discipline, time horizons, and fees. I build a simple strategy based on your goals, income currency, and tax situation in the Czech Republic.
Yes. We use secure channels. Your data is used only to process your request and submit applications. A GDPR agreement is signed, and I delete your archive upon request after completion.
Fluent in Russian, Czech, and English. I understand Ukrainian and Slovak.
We review the reasons, adjust your file, and apply to a suitable bank. It’s important not to “fire off” applications to all banks at once - that damages your credit score. We act strategically.
A short checklist: your goal (mortgage/insurance/investments), approximate amounts and timeframes, 2-3 recent income statements, and if you’re self-employed - your daňové přiznání (tax declaration). I’ll guide you on the rest after a brief call.
Yes. I work as a consultant and compare offers from different banks and insurance companies, explaining the pros and cons of each based on your situation.
On weekdays - within the day. For urgent matters, message me on WhatsApp or Telegram, and I’ll reply as soon as I’m available.