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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.

Become a founding partnerDownload the brochure (PDF, in English)Czech edition
The mortgage calculator: income and savings in, the most a bank may lend, the monthly payment and the limit that sets it out, with the flats for sale that budget buys.
The mortgage calculator: from income and savings to the most a bank may lend, the monthly payment and the ČNB limit that sets it, then the flats for sale that budget buys today.

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.

An adviser’s card beside a flat for sale, as it would appear: labelled, with who placed it and why it’s shown. An illustration; the figures are examples.

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.

Bytky's Rental yield card for a 69 m² 3+kk flat for sale in Prague asking 10,490,000 Kč: a gross yield of 4.5%, an estimated rent of 39,259 Kč a month with a typical range of 29,325 to 41,400 Kč, a net yield of 3.9%, 22 years of rent, and high confidence from 19 similar rentals within 470 m.
The rental yield on a flat for sale: the rent it could earn from similar rentals nearby, and its gross and indicative net yield on the asking price.

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.

  1. 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.

  2. 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.

  3. 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

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.

Become a founding partnerDownload the brochure (PDF, in English)Czech edition

Opens an email to partners@bytky.com. Clara, our partner desk, replies within two working days.

What happens next

  1. Write to us

    Tell us where you work and who your clients are.

  2. A 30-minute call

    We show you Bytky for your area and agree which of the three ways fits.

  3. A three-month pilot

    Your placement, tool or link goes live, with every view and click counted.

  4. A review together

    We look at the numbers with you and agree what comes next.