As of 29 October 2026, the mBank rate sheet (úrokový lístek) shows a lowest rate of 5.79 % for a 5-year fixation (fixed-rate period, fixace) at LTV up to 80 %. Applies to all clients; under the bank’s terms an mKonto current account is required for the whole life of the loan. Against the average offer in the Swiss Life Hypoindex (5.84 %, October 2026) that is −0.05 pp, and by published rate for a 5-year fixation the bank ranks number 6 of 10 banks in the table.
Rates by fixation period
| Fixation | Rate from, LTV up to 80 % | LTV 80 to 90 % | Payment | Difference to the lowest rate |
|---|---|---|---|---|
| 1-year | 5.99 % | 6.29 % | CZK 22,529 | +1.30 pp |
| 3-year | 5.59 % | 5.79 % | CZK 21,682 | +0.81 pp |
| 5-year | 5.79 % | 5.99 % | CZK 22,103 | +0.91 pp |
The bank states that its rate list is valid from 22 October 2026.
The bank's representative example
A loan of CZK 1,450,000 over 40 years, 3-year fixation, rate 5.59 %, APRC 5.76 %, monthly payment CZK 7,568, total amount payable CZK 3,636,479. source
What is the current mBank mortgage rate in Czechia?
The bank’s rate sheet valid from 22 October 2026 gives, for a purpose mortgage with LTV up to 80 %, a rate of 5.99 % for 1 year, 5.59 % for 3 years and 5.79 % for 5 years. For LTV above 80 % it is 6.29 % for 1 year, 5.79 % for 3 years and 5.99 % for 5 years.
The bank offers fixations of 1, 3 and 5 years, and no others appear in the sheet. It gives the rates without “from” and writes that they are guaranteed to all clients who repay regularly. The data on this page come from the Czech website mbank.cz; we do not compare the Slovak website mbank.sk here.
What does mBank require for its lowest rate?
The rate sheet states no condition for the rate, only regular repayment and compliance with the contract terms. Under the terms of mortgage loans the client must hold an mKonto for the whole life of the loan; with several applicants the account of one of them is enough. The instalment is debited from the main applicant’s mKonto, and the account is free. Own funds must be at least 10 % of the property price.
The bank’s pages mention a discount for existing clients; the rate sheet does not list it, and the bank does not say whether it is already included in the rates, so we do not count it. The rate guarantee is valid for 30 days from signing the application and is free.
How much will an mBank mortgage cost per month?
On a loan of CZK 3,500,000 over 25 years at 5.79 % (5-year fixation) the annuity payment is CZK 22,103. For your own amount and fixation use the mortgage calculator; the rate changes when the fixation ends.
The bank’s representative example: a loan of CZK 1,450,000 over 40 years with a 3-year fixation, rate 5.59 %, payment CZK 7,568, APRC (RPSN) 5.76 %. In the APRC the bank counted the registration and deletion of the lien and the free mKonto account, and the valuation and property insurance only if their amounts are known when the contract is signed. The example is from the bank’s page; the 3-year rate in the rate sheet is 5.59 %.
What fees does mBank charge?
According to the price list valid as of 29 October 2026, processing the application and providing and administering the loan: free. The property valuation is arranged by a valuer appointed by the bank and paid for by the client: flat CZK 5,000 to 6,000, house CZK 6,000 to 7,500. Drawdown: first three drawdowns free, each further one CZK 500.
A change of security and other contract changes cost CZK 4,000, and a deferral of principal payments CZK 1,000. For breach of contract obligations, for example the purpose, the security or the insurance, the bank may charge a contractual penalty; the price list gives up to CZK 50,000 per breach.
How can I repay an mBank mortgage early?
The law allows repayment without a fee of the remainder at the end of the fixation and, once a year, of up to 25 % of the original loan amount in the month before the contract anniversary. At other times the bank may charge at most 0.25 % of the amount repaid for each started year until the end of the fixation, and 1 % in total.
The mBank price list lists an extra repayment at the end of the fixation as free. The bank also writes about free extra repayments of up to 25 % of the principal a year, depending on the type of contract. Otherwise the price list speaks of reasonably incurred costs under the Consumer Credit Act and gives no amount. More on early repayment of a mortgage.
Can I get a 40-year mortgage from mBank?
According to the bank’s pages, the term of a purpose mortgage runs from 12 months to 40 years, and the bank’s representative example uses 40 years. The oldest applicant may be at most 70 years old on the day of full repayment, so the length is also limited by age. The calculator configuration on the bank’s website allows only 30 years, so a term above 30 years is confirmed only by the bank.
Does mBank give a mortgage without proof of income?
According to the bank’s pages, the applicant does not have to document income if the loan does not exceed 50 % of the value of the property pledged. Otherwise the bank wants a regular income and assesses the ability to repay. Entrepreneurs document income with the tax return for the last tax period, and other income can be documented too, for example with a lease. There can be up to four applicants; for a purpose mortgage one is enough.
Can I refinance my mortgage to mBank?
The bank offers Bleskové refinancování (express refinancing): after 12 months of regular repayment income is not documented, and the bank accepts the original valuation if it is no more than six years old. No separate refinancing rate appears in the rate sheet. The bank’s page warns that refinancing during a fixation means allowing for early repayment fees at your current bank. More on refinancing a mortgage.
Limits and fees
| Maximum LTV | 90 % |
|---|---|
| Longest term | 40 years |
| Maximum age at the end of the loan | 70 years |
| Smallest loan | CZK 200,000 |
| Loan processing | free |
| Property valuation | flat CZK 5,000 to 6,000, house CZK 6,000 to 7,500 |
| Loan account maintenance | free |
| Drawdown | first three drawdowns free, each further one CZK 500 |
A change of fixation length at the end of the fixation is free according to the price list.
What the bank offers
| Refinancing | yes Bleskové refinancování (express refinancing): after 12 months of regular repayment, no proof of income; the rate sheet gives no separate refinancing rate. |
|---|---|
| Green mortgage | no |
| American mortgage (equity loan) | yes Non-purpose mortgage: CZK 200,000 to 4,000,000, LTV at most 75 %, term of up to 25 years according to the bank’s page. |
| Buy-to-let mortgage | yes Mortgage for an investment property: LTV at most 70 %, own funds of at least 30 % of the price. |
| Construction | yes Drawdown at once or in stages; with staged drawdown the client submits invoices (the bank’s page on reconstruction). |
| Self-employed | yes Entrepreneurs document income with the tax return for the last tax period. |
| Online application | yes The application can be filled in online; the processing time depends on the individual situation. |
| Offset mortgage | not stated by the bank |
| Cooperative flat | with conditions The security must be another property in personal ownership. |
| Foreigners | with conditions A foreigner provides a passport and proof of residence; the bank does not publish the rules for non-EU citizens. |
Banks with a similar rate
| Bank | Rate from | Rate conditions and fees |
|---|---|---|
| Raiffeisenbank | 5.69 % | Applies to loans from CZK 2 million with an active account and insurance; an energy performance certificate (PENB) can earn a further 0.1 pp |
| Partners Banka | 5.79 % | LTV up to 80 %, with an energy performance certificate (PENB) and an active account (5 card payments and income of CZK 20,000 a month) |
| UniCredit Bank | 5.79 % | Applies with payment protection insurance and activity on the account: income of 1.5 times the instalment and 3 card payments a month |
Rate history
The chart appears once the history holds at least two rate changes. We check the rates every working day since 14 October 2026.
Sources
- mBank rate sheet no. 11 / 2026 (from 1 October 2026): www.mbank.cz/informace-k-produktum/urokovy-listek/osobni-finance/urokovy_listek_ · Checked 29 October 2026
- Housing mortgage, representative example and limits: www.mbank.cz/osobni/hypoteky/hypoteka-na-bydleni/ · Checked 14 October 2026
- Schedule of bank fees, mHypotéka (from 1 June 2026): www.mbank.cz/informace-k-produktum/sazebnik/osobni-finance/sazebnik_aktualni.pdf · Checked 14 October 2026
- Terms of mortgage loans, compulsory mKonto (from 13 November 2025): www.mbank.cz/informace-k-produktum/obchodni-podminky/podminky-hypotecnich-uveru. · Checked 14 October 2026
- Mortgage calculator, 30-day rate guarantee: www.mbank.cz/hypotecni-kalkulacka/ · Checked 14 October 2026
- Express refinancing of a mortgage: www.mbank.cz/osobni/hypoteky/refinancovani-hypoteky/ · Checked 14 October 2026
- American mortgage: www.mbank.cz/osobni/hypoteky/americka-hypoteka/ · Checked 14 October 2026
All banks in the comparison
Frequently asked questions
How much does mBank lend?
It starts at CZK 200,000. The bank’s pages give no upper limit for a purpose mortgage, and the bank’s calculator goes up to CZK 20 million.
Does mBank offer 7-year or 10-year fixations?
Fixations of 1, 3 or 5 years are on offer. The rates for 7 and 10 years appear only in the bank’s calculator settings and not in the rate sheet, so we do not show them.
Does mBank have a mortgage for under-36s?
The bank publishes no separate offer for young people. Rates in the rate sheet do not depend on age, only on the fixation and on the LTV, which the bank’s main page gives as up to 90 %.
Does mBank give a discount for an energy-efficient property?
As of 29 October 2026, the bank does not offer a mortgage with a lower rate for an energy performance certificate (PENB). It has information pages about the certificate only.