Bytky for mortgage advisers
People on Bytky work out what they can borrow before they call a bank. Here’s where they do it, and how an adviser registered with the ČNB can be beside them when they do.
Where buyers do the sums
Your clients, at the moment they decide
The mortgage calculator names each of the ČNB’s limits, loan to value, debt service to income and debt to income, the under-36 rule included, and lists the live flats for sale the budget buys. The buying-cost tool adds up the cash needed on the day, and rent or buy shows the year buying pulls ahead. Everyone who runs these numbers knows their limit, their cash and their payment. What they need next is an adviser.
Advertising
Your card beside the homes they want
A card beside homes for sale, and in the mortgage, buying-cost and rent-or-buy tools, in the towns and languages you choose. It’s labelled as an ad, with who placed it and why it’s shown. At the end of each month you get every view and click, area by area, and you can stop at the end of any month.
Buy-to-let
Investors are a different conversation
Every flat for sale on Bytky shows an estimated rent and a gross yield, and the calculator’s “A flat to let” switch is where buy-to-let buyers start. A buy-to-let loan is a different conversation, and that’s where an adviser can meet them.
Newcomers
Newcomers who settle become buyers
Bytky’s guides to whether foreigners can buy and to a mortgage as a foreigner are in English, Czech and Ukrainian, and that’s where these buyers begin. An adviser who speaks their language is the next step.
Working together
How we can work together
Choose one or all three. Each starts with a 30-minute call and a three-month pilot, and each is open to estate agencies and to mortgage advisers registered with the ČNB.
Advertising
Be in front of the right people when they decide.
- Mortgage advisers: a card beside homes for sale and in the mortgage, borrowing and buying-cost tools, in the cities and languages you cover.
How it’s paidA monthly fee per placement and area, agreed before it runs.
Built with you
Tools for your clients, with your name on them.
- Your own calculator: the mortgage calculator under your name, on a page of your own on Bytky, with the homes your client can afford and a button to you.
How it’s paidA fixed price agreed before we start, then a monthly fee to keep it running.
Shared revenue
A new income line, paid by us to you.
- Your client link: a free month of Bytky Plus for your clients, with your name on their welcome. You earn a share of every subscription that follows.
- Introductions: when someone on Bytky asks to speak to an agent or a mortgage adviser, we introduce them to a partner in their area, with their consent.
How it’s paidWe pay you each month, with a statement.
The rules
Paid never moves a listing, a verdict or a page
Every ad is labelled
Each paid placement says it’s an ad, who placed it and why it’s shown there.
Money never moves results
Paying never changes the order of listings, a price verdict, an area’s figures or an agency’s page.
Advisers are checked
Mortgage advisers must be registered with the ČNB. Bytky never compares mortgage rates itself.
Your page
What Bytky means for you
- For realtorsYour listings and enquiries, your realtor page, price evidence for sellers, and clients from abroad.
- For estate agentsYour agency’s page, owners doing their homework, new builds, and buyers and tenants from abroad.
- The whole brochure on one pageWhat Bytky does, the three ways to work together, and the rules every partner keeps.
Questions
What agents and advisers ask first
Does Bytky compare mortgages?
No. Bytky never compares mortgage rates itself, and the mortgage advisers who advertise on it must be registered with the ČNB.
Can I pay to rank higher, or to change my page?
No. Paying never changes the order of listings, a price verdict, an area’s figures, or an agency’s or a realtor’s page. Every paid placement is labelled as an ad, with who placed it and why it’s shown there.
What does working with you cost?
Each way starts with a call and a three-month pilot, and founding partners run their advertising free for those three months. After that, advertising is a monthly fee per placement and area, agreed before it runs, and you can stop at the end of any month.
Founding partners
Become a founding partner
The first 20 agencies and mortgage advisers run their advertising free for three months, help decide what we build next, and are introduced to Bytky’s readers in Bytky News.
Opens an email to partners@bytky.com. Clara, our partner desk, replies within two working days.
What happens next
Write to us
Tell us where you work and who your clients are.
A 30-minute call
We show you Bytky for your area and agree which of the three ways fits.
A three-month pilot
Your placement, tool or link goes live, with every view and click counted.
A review together
We look at the numbers with you and agree what comes next.