Every year Česká spořitelna picks out the external partners with the highest results and invites them into the Exclusive klub of its financial group. Membership always runs for a year; this year’s from 1 September 2026 to 31 August 2027. I have been in the club repeatedly since 2018.
I am writing about it for one reason: membership comes with things I can give to a client, and without it he would be paying for them. There is no sense in having them and telling no one.
What the client gets out of it
There are four things and they fall into two groups. Two of them go to everyone who arranges a mortgage with Česká spořitelna through me. The other two are capped in number, so it is first come, first served.
This is what every client of mine gets
1. Property valuation free of charge
For all mortgages processed with Česká spořitelna — no quota, no waiting list. The only condition is that the mortgage is from CZK 1,000,000 up; one free valuation per mortgage.
Otherwise the client pays for the valuation himself. Under the price list of Česká spořitelna effective from 21 August 2026 it costs CZK 5,000 for a flat (and for non-residential premises, land or a garage) and CZK 6,000 for a family house or a holiday property.
2. Express drawdown free of charge
Again for all clients and for all mortgages submitted to Česká spořitelna. Under the bank’s price list it costs CZK 2,000.
From the name it does not sound like much, but it is the item that in reality almost everyone pays. Let me explain why.
As standard the bank does not release the money until the charge over the property is registered in the Land Register. And that takes time. The cadastral act says that registration may be allowed at the earliest once twenty days have passed (Section 18(1) of the Cadastral Act), and according to the Czech Office for Surveying, Mapping and Cadastre the registration procedure took 22 days on average in September 2026. In practice it is three to four weeks.
Express drawdown means that the bank does not wait for that registration and sends the money the day after the loan agreement is signed, provided the drawdown conditions are met.
That is why on a purchase it is paid practically every time — a seller is not going to wait a month for the money. And almost always on a refinancing too. It is not an optional comfort that could be waived. It is two thousand crowns that nearly everyone pays.
Together that comes to
CZK 7,000 for a flat · CZK 8,000 for a family house
The valuation plus express drawdown, according to the bank’s price list. Both are items the client would pay out of his own pocket on a purchase and on most refinancings — and it holds regardless of the rate he ends up getting.
And these are capped in number
3. An additional discount of 0.1% on the interest rate
It works like this: first I negotiate a pricing exception at the bank for the particular client. On top of that I can then add an additional discount of 0.1%.
It is limited: six clients up to 31 August 2027, one deal one discount. And it cannot be used where a pricing exception has already been approved through another distribution channel or another partner.
4. A loan from Buřinka with a discount of 0.15%
A discount of 0.15% off the currently applicable interest rate of the loan from Buřinka, for three clients. It is an unsecured loan of up to CZK 3,500,000 — with no charge over a property and with no need to hold a building savings account. The purpose is evidenced by photographs of the state before and after the refurbishment, or by paid invoices going back up to a year.
And now what needs to be said alongside it
Everything above applies only to a mortgage arranged with Česká spořitelna. That matters, because out of it comes one question the reader will ask sooner or later: isn’t this adviser going to try to push me into Česká spořitelna so that he can tick off a card?
He is not. And that is more important to me than any of those benefits.
I work with several banks and I arrange the mortgage wherever it comes out best for the particular person. When that is a different bank, we go to the different bank and six JOKER cards of mine stay unused. That does not bother me — a client stays with me for ten or twenty years, one discount is not worth it.
Where it does make sense: when Česká spořitelna comes out as the best choice on its own merits. Then this is something extra that you will not get from another adviser, because he does not have those cards.
What it does not mean
It does not mean a promised rate. The pricing exception is approved by the bank, and in doing so the bank assesses the individual case — creditworthiness, LTV, purpose. The additional discount is added to what the bank approves; it does not replace it.
Nor does it mean that a mortgage will come out cheaper with Česká spořitelna than elsewhere. The differences between banks tend to be larger than a tenth of a percent and they change every month. That is why a comparison is always made, regardless of which cards I hold where.
And the document these terms are based on states itself that it is not a binding proposal. The terms may change during the year.
Frequently asked questions
Do I have to have my mortgage with Česká spořitelna for this?
Yes, these particular things apply only to mortgages arranged with Česká spořitelna. But if another bank comes out better for you, we will go to the other bank — the comparison is made irrespective of which benefits I hold where.
Will I get that 0.1% discount automatically?
No. It is limited to six clients up to 31 August 2027 and it is added only on top of the pricing exception that I negotiate at the bank. It cannot be applied where an exception has already been approved through another partner or another channel.
How much do I save on express drawdown?
Under the price list of Česká spořitelna effective from 21 August 2026, express drawdown costs CZK 2,000 and a property valuation CZK 5,000 for a flat or CZK 6,000 for a family house. Together, then, CZK 7,000 for a flat and CZK 8,000 for a house. And express drawdown is not an optional comfort — without it the bank waits for the charge over the property to be registered in the Land Register, which is three to four weeks, and on a purchase the seller as a rule does not accept that.
What is the Exclusive klub and how does a person get into it?
It is an award that Česká spořitelna grants every year to the external partners with the highest business results. Membership always runs from September to August of the following year. It cannot be applied for or bought — it follows from the volume and quality of the deals processed in the preceding period.
Dealing with a mortgage?
Write to me and I will get back to you. We will compare the banks by what works out for you — and if Česká spořitelna comes out of it, we will use what I have on top of that as well. I will also tell you straight when it is not worth changing anything.
Leave your details +420 725 032 139Representative example under Section 91 of the Consumer Credit Act (Act No. 257/2016 Coll.)
A purpose-bound consumer credit for housing secured by a charge over the property. Lender: Česká spořitelna, a.s. Intermediary: Jan Roztočil, Czech business identification number (IČO) 76037061, tied agent representing a single company, Broker Trust, a.s.
APRC 4.49% · fixed borrowing rate 4.34% per annum for the first fixed-rate period of 3 years until 28 February 2029 · total amount of credit CZK 5,326,636 · monthly annuity instalment CZK 27,538 · number of instalments 336 · term of the loan until 15 March 2055 · total amount payable by the consumer CZK 9,485,150.
Fees included in the APRC: CZK 4,000 — CZK 2,000 for the registration and CZK 2,000 for the removal of the charge from the Land Register. Insurance of the charged property is required before drawdown; the contract does not determine its cost. The rate includes a discount of 0.50 percentage points for repayment from an account with Česká spořitelna — if this condition is not met, the rate and correspondingly the instalment may increase.
The APRC is based on the assumption of immediate and full drawdown of the loan, an interest rate of 4.34% throughout the repayment period, one registration and one removal of the charge, and proper and timely repayment. Figures from an anonymised contract concluded on 12 March 2026. This is a past contract, not an offer — today’s rates are higher and the specific terms always depend on an individual assessment by the bank.
Sources: Benefits of the Exclusive klub of the Česká spořitelna financial group 2026/2027 (a document of Česká spořitelna, a.s., benefits valid 1 September 2026 — 31 August 2027; the document states itself that it is not a binding proposal giving rise to rights and obligations). The prices of the property valuation and of the Express drawdown service according to the Price List of Česká spořitelna for private clients, effective from 21 August 2026. The time limit for allowing registration under Section 18(1) of the Cadastral Act (Act No. 256/2013 Coll.); the average length of the registration procedure for September 2026 according to the Czech Office for Surveying, Mapping and Cadastre. The parameters of the representative example are from an anonymised loan agreement dated 12 March 2026.
Marketing communication. This text is for information only; it is not an offer or a personal recommendation and it contains no promise of any particular interest rate. The benefits described relate exclusively to loans processed with Česká spořitelna, a.s., they are limited both in number and in time, and whether they are granted depends on the assessment of the bank. Jan Roztočil, Czech business identification number (IČO) 76037061 · tied agent representing a single company, Broker Trust, a.s. · supervised by the Czech National Bank.