Live first. Sort the mortgage later.

We buy the home for you — fast.
Move in now. Save and sort your finances later.
Buy back within 2 years at a fixed price.

Live first. Sort the mortgage later.

We buy the home for you — fast.
Move in now. Save and sort your finances later.
Buy back within 2 years at a fixed price.

Ownest is backed by ČSOB and Bezrealitky

„ČSOB enters the startup Ownest“

„Buys an apartment for you when you can't afford a mortgage“

„ČSOB and Ownest allow you to postpone your mortgage for up to two years“

„Startup Ownest offers a revolutionary way to home ownership“

„Live in rent and at the same time in your own? It's possible“

„Ownest invests in more apartments. Pays a quarter of a billion“

„Czech startup connects home ownership with rental.“

Solution for everyone

Bigger home — without the time pressure

Move up to bigger

Bigger home — without the time pressure

Move up to bigger

Find your new place, move in calmly, and deal with selling your old apartment later — without discounts, temporary rentals, or stressful timing.

Buyer

Bought a new apartment and gained time for a profitable sale of the old one.

Seller

Sold the old apartment at a good price and moved to a new one without complications.

Your first apartment — even without the usual 10–20% downpayment

My first apartment

Your first apartment — even without the usual 10–20% downpayment

My first apartment

Ownest buys the home for you — and you can buy it back within 2 years for a pre-agreed price. You only need 3% of your own funds. In the meantime, you live there, save, and prepare for your mortgage.

Buyer

Took advantage of the current market to secure their dream home at an attractive price.

Seller

Had the certainty of a cash buyer — and a smooth, fast closing exactly as planned.

A cash offer that opens doors

Cash offer

A cash offer that opens doors

Cash offer

With Ownest, you act like a cash buyer. You choose a property — we buy it upfront for you, fast and without conditions. This gives you a strong advantage in negotiations and often a better price.

Buyer

Acquired their dream property — despite more than 5 competing buyers.

Seller's agent

Appreciated not having to wait for mortgage approval — and had certainty the transaction would actually close.

Peter & Pauline

Ownest minimized the uncertainty of such a fundamental decision

Having Martin with us at the viewings was the best part of Ownest.
After each viewing, we would sit down and talk through why the apartment might or might not be right for us. It truly strengthened our trust that Ownest was trying to find the best apartment — not just any apartment.

So when we finally made an offer in Karlín, we were confident it was the right decision.
Thank you again!

Martin V.

The cash offer was decisive for me

Thanks to the cash offer, I secured a newly renovated apartment at a great price — where speed and guaranteed money were the key criteria for the seller. I really appreciate that Ownest was able to come up with an innovative concept that is a win-win for everyone involved.

Yes, you pay 2%, but it pays off many times over — you get access to apartments that you would never win with only a mortgage. And because Ownest presents each apartment to their investors, you always feel confident that what you are buying truly makes sense.

Michal Samir

Ownest made me believe that even the impossible is possible.

I’m a film director with irregular income, so I never expected to get a mortgage for a family apartment in the district we wanted near Stromovka. When I discovered Ownest, I was skeptical — but already the first meeting gave me hope. We went through several viewings together, and when the right apartment appeared, Ownest outbid the competition with a cash offer.

They also handled the entire mortgage for us — all I had to do was sign.
Thank you!

Film and TV director

Suyash & Pei-Nung

Ownest opened the door to homeownership for us and smoothly guided us through all the Czech bureaucracy

As foreigners, specifically third-country nationals working in the Czech Republic — we quickly learned that buying real estate here is usually very complicated and sometimes even uncertain. When my partner and I decided we wanted to purchase a home in Prague, we felt completely overwhelmed. We did not know where to start or how to move forward.

That’s why we were so grateful to have Ownest. They supported us throughout the entire process...

Ondřej Krátký

In business, I would never enter negotiations where the other side holds all the advantages.

Ownest saved us a great deal of money and effort when buying a great apartment in one of Prague’s prime locations. They supported us with process management, organized viewings, provided expert evaluations of each apartment, and even negotiated non-standard mortgage conditions — along with a significant discount on the purchase price.

Co-founder of Liftago, founder and CEO of grid.online

Bach & Ksenia

Great experience from A to Z!

Thanks to the support we received throughout the entire process, the purchase was definitely much easier than if we had handled everything on our own.

We are happy to recommend Ownest to anyone considering using the program!