Mortgage comparison for 2026 and individual offers
Get an overview of interest rates, fees and current bank campaign terms, all in one place. Our comparison calculator monitors mortgage products from banks operating on the Slovak market.
Comparing data versus actual approval
This overview serves as an indicative basis for your comparison. However, it is useful to know that obtaining a final mortgage offer from a bank requires a more in-depth analysis, which banks only carry out once you submit an official mortgage application.
Banks first carry out a detailed review of your payment history, the exact structure of your income and other information. If you have already chosen a property to secure the mortgage, they will need a valuation report for it. Only then can they prepare a mortgage offer, which you are not obliged to accept.
We therefore treat all online calculations as indicative figures intended to help you get your bearings. At AGENT.SK, we are here to provide the context behind these figures, based on two decades of experience in banking and real estate. Our free mortgage services are an optional source of expert support that can ease the administrative process and help you negotiate better terms.
Compare, and let us advise you.
Usage tips
Useful tips for you
Install Hypokalkulačka.sk for a premium experience and upcoming smart AI features.
| Device | Browser | How to Install |
|---|---|---|
| Android | Chrome, Edge and others | In the menu (3 dots), select "Install app". |
| iPhone / iPad | Safari, Chrome and others | Click Share (square with an arrow) and select "Add to Home Screen". |
| PC / Mac | Chrome, Edge and others | Click the (+) Install icon in the address bar at the top right. |
Control with arrows
⬅️➡️ to navigate between sliders
⬆️⬇️ to adjust values
Custom values without limits
You can enter higher values manually, for example, over €500,000 or above 7.99%.
Explanations
Click the (›) icons next to the questions for detailed information.
Free assistance
Our licensed agents will provide mortgage advice free of charge.
Found a bug? Click report a bug and let us know. We appreciate every piece of feedback!
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Property financing mortgages
Are you looking for the best terms for property financing, refinancing or consolidation, or do you need a mortgage without proof of purpose? An online comparison algorithm is not enough for a serious offer. Our licensed financial agents will prepare a tailored offer that reflects your plans and current life situation.
What you should know before choosing a mortgage
Comparing mortgages is the first step towards saving money, but the world of banking rules is complex. That's why we've prepared three key points to help you make an informed decision.
Algorithm versus reality
An online comparison is your starting point, not a final offer. Calculators work with ideal rates "from", but the actual terms depend on your creditworthiness, the property's location, and the bank's current methodology.
If you want get mortgage without a financial agent
Approach at least four banks, your own bank may not have the best offer. Compare using the APR, a low interest rate can hide expensive insurance or high fees. Also ask about the terms after signing, for example fees for early repayments or the option to change the rate during the fixed period.
Why use a financial agent
Our goal is not to sell you a particular bank, but to check your options across all institutions at once, using their current methodology. We have access to details an average client usually doesn't see. You know what the bank is offering, we know how to actually get it for you. The decision is always yours. Read our reasons for arranging your mortgage with us.
Purposte mortgage
Maximum LTV
90 %
Min. security
111,111 €
Mortgage amount
100,000 €
Selected maturity
30 years
Provision fee
1,000.00 €
Interest rate p.a.
Fix 3 y. from 3.40 %
Monthly payment
443.48 €
Total interest
59,652.80 €
Mortgage loan
Maximum LTV
90 %
Min. security
111,111 €
Mortgage amount
100,000 €
Selected maturity
30 years
Provision fee
800.00 €
Interest rate p.a.
Fix 1 y. from 3.55 %
Monthly payment
451.84 €
Total interest
62,662.40 €
Mortgage
Maximum LTV
90 %
Min. security
111,111 €
Mortgage amount
100,000 €
Selected maturity
30 years
Provision fee
-
Interest rate p.a.
Fix 2 y. from 3.59 %
Monthly payment
454.08 €
Total interest
63,468.80 €
Purpose mortgage
Maximum LTV
90 %
Min. security
111,111 €
Mortgage amount
100,000 €
Selected maturity
30 years
Provision fee
-
Interest rate p.a.
Fix 1 y. from 4.69 %
Monthly payment
518.04 €
Total interest
86,494.40 €
Mortgage
Maximum LTV
90 %
Min. security
111,111 €
Mortgage amount
100,000 €
Selected maturity
30 years
Provision fee
-
Interest rate p.a.
Fix 1 y. from 4.79 %
Monthly payment
524.06 €
Total interest
88,661.60 €
Mortgage LoanTB
Maximum LTV
90 %
Min. security
111,111 €
Mortgage amount
100,000 €
Selected maturity
30 years
Provision fee
800.00 €
Interest rate p.a.
Fix 1 y. from 4.09 %
Monthly payment
482.62 €
Total interest
73,743.20 €
Mortgage for housing
Maximum LTV
90 %
Min. security
111,111 €
Mortgage amount
100,000 €
Selected maturity
30 years
Provision fee
2,000.00 €
Interest rate p.a.
Fix 1 y. from 4.39 %
Monthly payment
500.17 €
Total interest
80,061.20 €
Mortgage without barriers
Maximum LTV
90 %
Min. security
111,111 €
Mortgage amount
100,000 €
Selected maturity
30 years
Provision fee
700.00 €
Interest rate p.a.
Fix 1 y. from 4.19 %
Monthly payment
488.43 €
Total interest
75,834.80 €
Mortgage Comparison FAQ
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