Mortgages
I take you through the whole process, from choosing a bank to signing. I compare offers across the market and negotiate the lowest rate I can get you — without the extra worry and paperwork.
Ing. Jana Jemalová
I make finance human and easy to follow.
I am here to translate the world of finance into language you actually understand — no jargon, and no pressure to decide quickly.
My services
How I can help
I will guide you through the whole financial world — from a mortgage through investments to insurance. The first consultation is always free and commits you to nothing.
Why me
Someone you can rely on
I treat every client individually and with respect. I am not here to sell you something — I am here so that you finally understand your own finances and can decide with calm and confidence.
-
Care that lasts
I am here for you in a year's time, not just today. We are building a long relationship, not a one-off transaction.
-
Flexibility
I work around your time. Online, by phone or in person — whichever suits you.
-
A personal approach
I understand both your worries and your plans. You are not a number to me — I care about your actual situation.
How it works
Working together, step by step
From the first meeting to long-term care — four stages I will take you through. No rush; you set the pace.
- 01
Getting to know each other
We meet without pressure and without obligation — in person, online or by phone, whichever suits you. You tell me where you are and where you want to get to, and I build a picture of your situation. It costs you nothing.
- 02
A proposal made for you
I go through your options, compare offers across the market and put together a financial plan you can actually read. You get concrete recommendations and the reasoning behind them — the final word is always yours.
- 03
Arranging it
Once the plan makes sense to you, I get to work. I take on the paperwork, the negotiations with banks and insurers and the deadlines, so that it costs you as little time and worry as possible.
- 04
Staying in touch
Signing is not where it ends for me. I check in afterwards, watch whether the arrangement still fits, and when something in your life changes we adjust the plan together. I stay within reach.
Independence
I don't choose for a bank — I choose for you
I am not employed by any bank or insurer. Arrange a mortgage or a policy at a single branch and you get only what that one bank happens to offer. I work with dozens of financial institutions at once — and that changes everything.
I compare the whole market at once
Every bank does the sums differently — it looks differently at your income, at the age of the property, at whether you are employed or self-employed. What is ideal for one person can be a poor deal for another. Because I can see into the offers of many institutions at the same time, I can genuinely compare them and find the one that fits your situation — not the one somebody needs to hit a target with.
I arrange what suits you — not what needs selling
An advisor tied to one brand will always offer you their own product, even when something better exists on the market. I am under no such pressure. I can quite happily tell you that switching is not worth it right now, or that you will find better insurance elsewhere. My recommendation rests on your benefit, not on one company's commission.
I save you time and frustration
Going round five banks, filling in five different applications and deciphering five offers written in impenetrable language takes days — and you still never know whether you missed something better. I do that for you. You tell me once what you need, and I bring you the comparison in one place, clearly and without jargon.
I negotiate from a stronger position
A bank behaves differently when it knows you have a choice. Because of the volume of business I bring, I often reach terms you would not get as an individual at the counter — whether that is the rate, the fees, or a willingness to move the approval threshold.
One person for all of it
Mortgage, refinancing, life and property insurance, investments — you don't have to assemble this from five advisors who know nothing about each other. I keep an overview of your whole financial situation, so the pieces fit together. And when something changes — a child arrives, you change jobs, you buy a car — you call one person.
Independence is not a marketing word to me. It is how I can genuinely help: no hidden interest, the whole market within reach, and a single goal — that your finances work for you.
Reviews
My work speaks for me
And so do you. Thank you for every rating and every piece of feedback.
Contact
Let's meet
Have a question, or would you just like to talk through your finances with no obligation? Write to me using the form below and I will get back to you as soon as I can. The first consultation is free and commits you to nothing.
Ing. Jana Jemalová
- Mástného 1035/6
710 00 Slezská Ostrava
Czech Republic
Parking right in front of the office. - +420 775 088 619
- jj.finance@email.cz
- Meetings by appointment
- Company ID: 08265470
We do not have your consent to call external services, so we cannot show you the map. To give a one-off consent and display the map, click the button below.