Hyponamiru

What Hyponamiru does

Hyponamiru (legal entity: Hypo na míru s.r.o.) is a Czech fintech operating as a fully online mortgage brokerage. Founded around 2014–2015 and headquartered in Prague with offices also in Brno, the company serves Czech residents seeking to finance residential real estate purchases, refinance existing mortgages, or arrange non-purpose real-estate-secured credit. Distribution is exclusively digital: the platform is accessible via hyponamiru.cz and dedicated iOS/Android applications, with remote mortgage specialists available by phone (800 688 388) and online chat, eliminating the need for in-person bank visits.

The core technology is a proprietary mortgage comparison engine that evaluates over 25,000 mortgage combinations drawn from eight Czech banking partners, with interest rates refreshed multiple times per day. The product suite comprises the Hypoteční bankovnictví (Mortgage Banking) portal for digital arrangement and application tracking, a mortgage calculator, a refinancing tool, an American (non-purpose) mortgage product, and the Hlídač hypotéky (Mortgage Watchdog) service that monitors existing loans and alerts clients to refinancing opportunities throughout the loan lifecycle. Complementary offerings include property insurance and life insurance arranged through the same digital workflow, plus an internal property database for prospective buyers. The company has served over 77,000 clients since inception and reports an average client savings of CZK 140,000 versus single-bank origination.

Hyponamiru operates as a tied agent (vázaný zástupce) registered with the Czech National Bank (ČNB) under IČO 05736501, within the regulatory perimeter of parent company Broker Trust, a.s. Revenue is generated entirely through commissions paid by partner banks on successfully arranged mortgages; no fees are charged to end customers. Marketing spans Instagram, Facebook, YouTube, TikTok, Spotify (podcast), an internal blog/FAQ, and prominent customer testimonials. The legal name Hypo na míru s.r.o. and the trading names Hyponamíru and Hyponamiru are used interchangeably in the market.

Name

Hyponamiru

Legal name

Hypo na míru s.r.o.

Website

https://hyponamiru.cz

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

251–500 employees

Short description

Hyponamiru is a Czech online mortgage brokerage that compares over 25,000 mortgage combinations from eight partner banks via a proprietary digital platform, serving Czech residents seeking to finance or refinance residential real estate. Revenue is generated entirely through bank commissions on arranged mortgages, with no fees charged to customers.

Ownership category

akta.pro rank

Product category

Online Mortgage Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Loan Brokers (6163)

akta.pro primary industry

Mortgage Comparison, Marketplace & Rate-Shopping Platforms (FSALABAJ)

akta.pro secondary industry

Mortgage Lead Generation & Marketing Intermediaries (FSALABAI)

Keywords

• Online mortgage brokerage
• Mortgage comparison
• Mortgage refinancing
• Consumer credit brokering
• Mortgage advisory services

Headquarters

HQ city

Prague

HQ country

Czechia

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Bank Commission Revenue: Hyponamiru earns commissions from banking partners (bankovní domy) for referring mortgage clients. As a tied agent and independent consumer credit broker under Broker Trust, they receive payments from Czech banks for successfully arranged mortgages. No fees are charged to end customers.

Pricing tiers

Go-to-market motion2 records

Distribution channels2 records

Marketing channels8 records

Core offering

Hyponamiru operates an online mortgage comparison and brokerage platform that evaluates over 25,000 mortgage combinations from Czech banks to identify the most advantageous offer for each client. Customers arrange mortgages entirely online with assistance from remote mortgage specialists, supported by the proprietary Mortgage Banking (Hypoteční bankovnictví) platform. The service is free for end customers, with revenue earned through commissions from banking partners, and includes ongoing monitoring via the Mortgage Watchdog service to flag refinancing opportunities throughout the loan lifecycle.

Product overview

Hyponamiru operates as an online mortgage broker and fintech startup offering a suite of mortgage-related products through its proprietary digital platform. The core offering consists of the mortgage comparison engine (over 25,000 combinations) and the mortgage calculator, supported by a team of online mortgage specialists who assist clients through the entirely digital arrangement process. The platform is anchored by its Hypoteční bankovnictví (Mortgage Banking) portal, supplemented by the Hlídač hypotéky (Mortgage Watchdog) monitoring service, refinancing tools, and an American mortgage product. Hyponamiru also offers complementary property and life insurance products, and maintains an internal property database for clients still searching for real estate. All services are delivered online without requiring in-person bank visits.

Differentiator

Problem solved

Functional benefit

Brands

• Hypoteční bankovnictví: Online mortgage banking platform where clients can arrange mortgages digitally with specialist assistance.
• Hlídač hypotéky

Products and services

• Online Mortgage Comparison (Online srovnání hypoték)
• Mortgage Refinancing (Refinancování hypotéky)
• American Mortgage (Americká hypotéka)
• Property Insurance (Pojištění nemovitosti)
• Life Insurance (Životní pojištění)
• Mortgage Watchdog (Hlídač hypotéky)

Quantifiable outcome

• Average savings of CZK 140,000 per client compared to suboptimal mortgage choices
• +2 more outcomes

Named customers3 records

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

Ten partnerships are on record, tiered core and primary.

• Broker Trust, a.s.coreStrategic or Co-development PartnerHyponamiru operates as a tied agent registered under Broker Trust, a.s. (IČO: 26439719), a registered independent consumer credit broker. This partnership provides regulatory authorization and oversight through the Czech National Bank (ČNB). Hyponamiru is also registered as a tied agent under ČNB directly with company ID 05736501.
• Komerční bankaprimaryChannel Partner/ Reseller/ DistributorMajor Czech bank providing mortgage products through Hyponamiru's comparison platform.
• Česká spořitelnaprimaryChannel Partner/ Reseller/ DistributorMajor Czech retail bank partner for mortgage distribution.
• ČSOB (Československá obchodní banka)primaryChannel Partner/ Reseller/ DistributorCzech banking group providing mortgage products through the platform.
• RaiffeisenbankprimaryChannel Partner/ Reseller/ DistributorCzech subsidiary of Austrian Raiffeisen banking group, partner for mortgage products.
• UniCredit Bank Czech RepublicprimaryChannel Partner/ Reseller/ DistributorCzech subsidiary of Italian UniCredit banking group, partner for mortgage distribution.
• Moneta Money BankprimaryChannel Partner/ Reseller/ DistributorCzech bank partner featured on the platform for mortgage comparison.
• mBank Czech RepublicprimaryChannel Partner/ Reseller/ DistributorCzech subsidiary of German Commerzbank group, online banking partner.
• Modrá pyramida stavební spořitelnaprimaryChannel Partner/ Reseller/ DistributorBuilding savings bank offering construction savings and mortgage products.
• Česká národní banka (ČNB)coreOthersCzech National Bank - regulatory authority that licenses and oversees Hyponamiru as a tied agent for consumer credit and insurance distribution.

Scale indicators7 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Habito: UK-based digital mortgage broker offering online mortgage comparison, advice, and application. Direct functional peer in the digital mortgage brokerage category, with similar technology-driven, customer-facing broker model.
• Better.com: US digital mortgage lender and brokerage that uses technology to streamline rate comparison and origination. Comparable on technology-driven online mortgage intermediation, though operating in a much larger US market.
• HypoPortal.cz: Czech online mortgage comparison and brokerage platform that aggregates offers from multiple Czech banks. Direct competitor in the same product category, target customer (Czech mortgage seekers), and business model (commission-based digital broker).
• Trussle: UK online mortgage broker that automated mortgage switching and comparison. Closely comparable to Hyponamiru's Watchdog service concept and digital-first brokerage model, although now operating in a different stage.
• topfinance.cz: Czech online financial intermediary focused on mortgage brokerage and consumer credit comparison. Directly comparable on geography, customer segment, and commission-based broker model.
• ChytrýHonza.cz: Czech online financial comparison and brokerage platform covering mortgages, insurance, and consumer credit. Comparable on customer base (Czech consumers), product category, and digital lead-generation model.

Broad incumbents

• MoneySupermarket: UK-based broad financial comparison marketplace covering mortgages, insurance, and banking. Comparable on the comparison/marketplace function for mortgages, but operates at much larger scale and across multiple financial product categories.
• Ceska sporitelna (Erste Group): Largest Czech retail bank and a primary channel partner of Hyponamiru. Competes with Hyponamiru in mortgage distribution through its own direct channels, while also being a key supplier of mortgage products distributed via the platform.
• Zillow Mortgage Marketplace: US-based online real estate and mortgage marketplace that aggregates lender offers and connects consumers with mortgage brokers. Comparable on the marketplace/comparison function for mortgages, though anchored in a property search ecosystem.

Emerging players

• Creditas: Czech digital challenger expanding into mortgage and consumer lending. Partial overlap in the digital Czech retail lending space, with growing mortgage distribution that intersects with Hyponamiru's brokerage flow.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/channel/UC4IHDQs0kt79HQaJJkgVrrA
• Facebookfacebook.com/hyponamiru
• Instagraminstagram.com/hyponamiru/?hl=cs
• TikToktiktok.com/@hyponamiru

Revenue estimate

Valuation estimate

Number of profiles

Profiles3 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Hyponamiru