myLife
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Financial intermediation by myLife

Tibor Csunyocska

The best mortgage from all banks. No hassle, no stress.

I'll compare offers from every bank in Slovakia, negotiate terms, and take care of the paperwork. You just sign the most favorable one. My services are free for you.

Consultations always free No commitment A reply within 24 hours

Tibor Csunyocska
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Why it matters

A mortgage is the biggest financial commitment of your life. Most people sign it after just one visit to their bank.

You could overpay by tens of thousands A 0.5% difference in rate on a €150,000 mortgage means overpaying more than €13,000 over 30 years.
One bank = one offer Your bank will only show you its own terms. It will never tell you that a competitor has better ones.
Rejection has consequences A poorly submitted application can result in rejection — which will complicate any future applications.

How I can help

I look for solutions across the whole market, not inside a single bank or insurer.

All banks, one comparison I'll compare current offers from all banks in Slovakia and negotiate terms you won't get by going directly to a branch.
Zero paperwork for you I'll handle the application, documents, communication with the bank, and the appraiser. You go to work, I go to the bank.
Guidance until you get the keys From the initial calculation and signing to the loan disbursement. And in a few years, I'll also monitor your refixation.

Money does not have to be rocket science. It helps to have someone beside you who understands it.

About me

I know how stressful buying your first home can be. That's why I explain everything in plain language, so you can make decisions calmly, without pressure.

Under one roof I compare offers from banks and insurers across the market

Allianz MetLife UNIQA Generali Union Colonnade HDI Wüstenrot NN Dôvera Agra poisťovňa Defend Insurance AXA Assistance

How it will work

Three steps. The first one commits you to nothing.

  1. Free consultation (30 minutes) We'll find out how much you can afford and what you need for the application.
  2. Comparison within 48 hours You'll receive an overview of offers from all banks with my recommendation and explanation.
  3. Processing and signing I'll handle all the administration. You just sign the most favorable offer.
Book a free consultation The consultation is free and without obligation.

Run the numbers

I use the rates banks are offering today — from 3,39 % (Prvá stavebná sporiteľňa, 3-year fixed period). I will prepare exact figures for our meeting.

Prvá stavebná sporiteľňa 3,39 % 3r Prima banka 3,60 % 3r Tatra banka 3,69 % 2r ČSOB 3,70 % 3r UniCredit 3,79 % 2r 365.bank 3,90 % 3r mBank 3,99 % 3r VÚB banka 4,09 % 3r Slovenská sporiteľňa 4,29 % 3r

The rates shown are the lowest a bank will give — assuming you also take its other products (an account, loan insurance, salary paid in). Without them the rate is higher and the cheapest offer may turn out to be a different one. We will go through what actually pays off for you.

Bank rates valid for 10/2026.

What you would pay each month and how much the loan costs in total.

Loan amount
Repayment period
Fixed period

I fill in the rate from what banks offer for this fixed period today.

I will show you the result as soon as you leave me a contact. Either one will do.

I use figures that apply on the market today. This does not commit you to anything.

How it works

Five steps that are the same for every client at myLife.

Step 1 of 5 First contact

We get to know each other and I explain what I do.

Frequently asked questions

How much do your services cost?

Nothing for you. After the loan is approved, the bank pays me a commission from its own costs — your rate or fees are not increased. I compare all banks, so I recommend the most advantageous one for you, not for me.

I haven't saved 20% of the property price. Do I have a chance?

Often, yes. There are various financing combinations, and banks have different requirements. These are precisely the cases where an advisor can make the biggest difference.

I'm a freelancer or have income from abroad. Is it possible?

Yes, but banks assess such incomes very differently. I'll select those most accommodating to your situation and prepare the application to ensure it's approved.

I already have a mortgage. Is refinancing worth it for me?

I'll calculate it for free. If refinancing won't save you money, I'll tell you honestly, and you can stay with your current mortgage.

How long does approval take?

Typically 2 to 4 weeks from document submission. A properly prepared application helps us avoid rejections and delays.

Buying a home can be stress-free. The first step takes 30 minutes.

Book a free consultation

I'll get back to you within 24 hours. The consultation is non-binding and free.

Write to me

Leave me your contact details and a short note on what I can help with.

Write me a few sentences about what you are dealing with. I will get back to you personally — not a robot.

  • I reply within 24 hours at the latest, usually sooner.
  • We arrange a meeting online or in person, whichever suits you.
  • Consultations are always free — you never pay for them and they commit you to nothing.

Contact

Get in touch any time — I will reply as soon as I can.

UNIVERSAL maklérsky dom a.s.
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