Independent Financial Advisor in Prague — Free Consultation
Mortgages, investments, insurance — all in one place.
Financial Services
Comprehensive financial advisory tailored to your needs — always independent and in your best interest
Mortgages & Refinancing
I'll help you find the best mortgage terms across all banks based on your current situation. From comparing offers and refinancing to full support through the entire process — from application to receiving the keys. I can also assist with mortgages for foreigners in the Czech Republic.
Investments & Savings
I make finance simple and create a plan for your goals — building capital, investing regularly, paying off your mortgage early, and saving for your children.
Insurance
I help you find reliable insurance without overpaying — life, property, car, or travel. I can review your current policies, optimize coverage, and help lower your costs.
Financial Planning
I create a clear financial plan for your future — retirement, your children's education, and financial independence. I regularly review and adjust it as your life changes.
Tax Advisory
I'll help you legally reduce taxes and avoid mistakes. Tax return optimization, advisory for entrepreneurs and employees, using all available deductions and benefits. Support and assistance with filing your tax declaration.
Loans & Consolidation
I help with consumer loans, refinancing high-interest loans, and debt consolidation. I compare offers to secure the best terms for you.
How It Works
Simple 4-step process — from first consultation to your financial plan
Free Consultation
We get to know each other and discuss your current financial situation, goals, and needs. No obligations, completely free.
Analysis & Proposal
I review your situation, compare market offers, and create a solution tailored to your needs.
Implementation
I handle all documents, communicate with banks, and manage cadastral matters. I review and submit your application, follow it through to approval, coordinate with mortgage specialists, and ensure all requirements are met.
Ongoing Support
I regularly monitor and optimize your finances. I remain available for any questions in the future.
About Me
My name is Darya, an independent financial advisor in Prague and a CNB-accredited specialist. I hold two degrees from the Prague University of Economics and Business: one in accounting and taxes, and one in finance and asset valuation. I spent over 6 years working in international corporations in the financial sector, including real estate-related projects, which gave me hands-on experience in mortgages, investments, and capital management.
Today I help individuals and families find financial solutions that truly work for them: from mortgages and insurance to investments and comprehensive financial planning. I'm not tied to any specific banks or providers, so I can find the optimal solution for you.
It's important to me that financial decisions are clear, transparent, and comfortable for my clients, and that the entire process feels calm and confident.
CNB certifications: Pension · Insurance · Investments · Loans
Client Reviews
What clients say about working with me
“My case with the mortgage and insurance for a new apartment wasn't straightforward, but Darya took care of everything. I didn't have to deal with anything complicated — she arranged it all, explained everything, and guided me through the process from start to finish. Great experience, highly recommend!”
Lev A.
“Darya helped me not only with finances but also with taxes. I was thinking for a long time about what's better for my business — IČO or s.r.o., but I didn't know Czech laws well. She calmly and clearly explained everything step by step and advised me how to proceed without wasting money and time.”
Irina S.
“I wanted to take out a loan but didn't have all the required documents and couldn't make sense of the terms and conditions. Darya explained everything and helped me navigate it all. Now we're gradually collecting all the documents together and preparing for the loan application.”
Kirill B.
“Darya helped me not only with finances but also with taxes. I was thinking for a long time about what's better for my business — IČO or s.r.o., but I didn't know Czech laws well. She calmly and clearly explained everything step by step and advised me how to proceed without wasting money and time.”
Oleksandr G.
“I reached out to Darya because I felt like I was paying for something I didn't understand at all. My papers were a complete mess. It was such a relief that she speaks the same language and explained everything to me in a simple, clear way. Now I finally understand it, and together we're looking for the best solution.”
Vitaliia M.
“My mortgage fixed rate was ending and the bank offered me a pretty bad rate. Darya compared offers, negotiated much better terms, and handled the entire refinancing for me.”
Jana N.
I Work With
Banks
Insurance
Investment Platforms
Retirement Savings
DPS
Supplementary Pension Savings
DIP
Long-term Investment Product
Frequently Asked Questions
Answers to the most common questions about financial advisory
Yes, the consultation is completely free. As a CNB-accredited specialist, my work is compensated by banks and financial institutions for helping with document preparation, so you receive independent and professional support at no additional cost.
Every bank evaluates clients differently, and requirements vary significantly. I select the exact bank where you have the best chances of approval based on your situation. Branch employees often don't know all the nuances of working with foreigners.
I guide you through every step — from document preparation to receiving your loan and beyond. I handle all questions, represent your interests at the bank, and speak Russian, English, and Czech so the process is simple and clear for you.
And the best part: I can help you get a discount on the interest rate and additional bonuses, such as a free property appraisal or favorable insurance terms.
Yes, foreigners with permanent or temporary residence can obtain a mortgage in the Czech Republic. I'll help you with the full process from the bank application to getting the keys.
If you're getting a mortgage without a specific property — processing usually takes 1–2 weeks. If an apartment or house is already selected — about a month.
Timelines assume all documents are ready for submission to the bank.
Refinancing is worthwhile if your fixed rate is ending, market interest rates have dropped, or you want to consolidate multiple loans into one. I'll calculate exactly how much you can save.
Diversified ETFs with low fees and regular contributions are the best starting point. I'll help you build a portfolio that matches your risk level and investment goals.
Book a Free Online Consultation
Choose a time that works for you. The consultation is non-binding and completely free. You can also leave your contact details below and we will get back to you.
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Where to Find Us
4D Center — Kodaňská 1441/46, Prague 10
Contact
Feel free to reach out to me in any way