AI mortgage broker · Beta
For 7 banks I calculate how much of your income they recognise and what stands between you and a mortgage, even if you invoice as a freelancer or hold RSUs. Every number opens up. I will never call you with offers.
mcp:server → coming soon
Want to talk to a human? Call Vašek, CEO and mortgage specialist at AI SummerLab: +420 [XXX XXX XXX].
Sekundant · 2026 edition · No. 0001
Model client · invoicing CZK 70,000
Bank A recognised CZK 49,000 · Bank B CZK 38,500
model example
Sekundant has three states: at your side, calculating, you decide.
Sekundant is an artificial intelligence. It is run by AI SummerLab s.r.o., a tied agent registered with the Czech National Bank (ČNB) under company ID 21371784; the represented party is Broker Trust, a.s., ID 26439719, an independent consumer credit intermediary. Free for you.
For developers, devops, data people and QA. For employees, freelancers and foreigners in Prague.
Under the Czech flat tax, banks calculate your income from bank statements and each recognises a different share of it. I calculate how much each one recognises for you, even if you invoice to Germany or through Deel.
Calculate my freelance incomeWith an employment contract the income calculation is simpler. Banks then differ in rate, fees and how much they lend you. I rank them by what you pay in total over the fixed-rate period.
Compare banksShares, ESPP, a bonus in euros. The branch form has no box for them. I show which banks accept such income and how much of it they count.
Calculate with RSUs tooA fixed-rate period usually lasts 3 to 5 years. I am preparing a watch: six months before the end I start tracking other banks’ rates, and when your bank sends its new offer, I compare it with them and calculate whether switching pays off. If staying pays off, I say so too.
Tell me when it launchesI tell you straight away and show you why. For your own home a bank lends at most 80 % of the flat’s value, up to 90 % if you are under 36. I calculate how much you are short and what has to change for it to have a chance.
Find out what I am missingIn preparation: each of you uploads your own documents and I calculate your joint income under each bank’s rules, even if one of you invoices and the other is employed.
Tell me when it launchesIn English
Upload your documents and ask in English. Czech bank contracts are in Czech, so I explain each part before you sign.
Calculate my mortgageA model client on the flat tax invoices CZK 70,000 a month. One bank recognises CZK 49,000 of income, another CZK 38,500. The difference is CZK 10,500 a month, and the recognised income is what a bank uses to work out how much it lends you.
Under each bank’s card you can see where the number comes from. Click the card to highlight it.
It is one example from a public source. With your statements I calculate it under today’s bank rules.
git diff old-system..sekundant
Anyone who has ever dealt with a mortgage knows these lines. You will not hear them from me. Next to most of them you can see the permission that cannot be switched on in the app.
7 lines removed · 7 added
The lines and the form are illustrative and do not come from any particular company’s materials.
It works like OAuth scopes. What you allow, I may do. What is locked, nobody can switch on. Not me, not the people behind me. It is the same for every client. Issue your own mandate.
What I may do
What you may do
Valid until the contract is signed. Fixed-rate watch in preparation. You can revoke it any time with one click.
Locked permission. It cannot be switched on or off; it is the same for every client.
A demo. Nothing is stored or sent. The pattern is computed from the mandate’s hash, so every mandate has a different one.
You set what I may do. Read statements yes, send the application to a bank only after you confirm, call never. You revoke the mandate with one click.
Employees upload an income certificate from their employer, freelancers their tax return. On the flat tax, bank statements are enough. If something is missing, I tell you exactly what.
For each bank you see the recognised income, how much it lends you, the rate and the instalment. Every number opens up to the bank’s rule and the date I last verified it.
The application went to the bank you chose.
I send the application only to the bank you choose and keep track of how the bank handles it. A fixed-rate watch after signing is in preparation.
You pay nothing for the preparation, the calculation or the Protocol. I rank banks by what you pay in total over the fixed-rate period, and the calculation is open for every bank, so you can check the ranking yourself.
Sample Protocol layout · model case numbers [placeholder]
| Rank | Bank | Total over the fixed-rate period | Instalment |
|---|---|---|---|
| 1. | Bank A | [CZK X] | [CZK X] |
| 2. | Bank B | [CZK X] | [CZK X] |
| 3. | Bank C | [CZK X] | [CZK X] |
sort_by = total_over_fixed_period # ranked by what you pay in total
You see the numbers for your own case in the Protocol. I work with 7 banks: ČSOB, Raiffeisenbank, Česká spořitelna, Komerční banka, UniCredit Bank, mBank and Oberbank. I submit applications only to them.
$ call specialist
You know a human by the face. I have none, I am software.
I will not call you to sell anything. If you want to hear a human, request a call below or call Vašek: he runs AI SummerLab, he is a mortgage specialist, and you will not have to explain vesting or invoicing through Deel to him.
He checks my calculation, goes through the contract with you before you sign and explains why the bank wants another statement. He tells you which insurance the bank requires and which lowers the rate; on request he prepares an offer. He does not offer investments.
He answers the phone [business hours], otherwise write to him from the app and he replies in writing.
call:specialista → whenever you callThe model reads your documents and answers questions. The numbers are calculated by plain code under each bank’s rules, so the same documents always give the same result.
In a duel, the second stood at the side of the person he represented. He negotiated the terms, watched the rules and left the decision to him. I am software and I always tell you so. These are the people behind me.
Václav Urbánek
CEO and mortgage specialist · AI SummerLab s.r.o., tied agent, ID 21371784
Jiří Dubanský
CTO
Jaroslav Šafář
product and calculations
Sekundant
software
version [beta x.y]
Operated by AI SummerLab s.r.o., ID 21371784, registered office Kaprova 42/14, 110 00 Prague 1 – Staré Město. You can write to the people behind me at info@sekundant.cz. They reply in writing.
Didn’t find your answer? Write to the people behind me at info@sekundant.cz, or call the specialist on +420 [XXX XXX XXX].
No. I am an artificial intelligence and I tell you so in the first message and whenever you ask. The human is the mortgage specialist, and you can call him yourself.
Yes. Call +420 [XXX XXX XXX] or write to the specialist from the app. He answers the phone [business hours]. He speaks Czech and English.
Not to sell. I call only about your application, when you ask me to, or when the bank requires it before signing. In the app you choose when it suits you. The bank may contact you once you submit an application with it.
Nothing for you. The preparation, the calculation and the Protocol are free.
Property insurance is always required by the bank, life insurance only by some banks in certain situations, and some insurance lowers your rate. For every offer I tell you what is mandatory and what pays off. If you are interested, I prepare an offer; you can also take out insurance elsewhere. If an insurance policy is a condition of an offer, I include its price in the total cost over the fixed-rate period.
Statements from the account your invoices are paid into. How many months depends on the bank. I tell you exactly what each one wants.
Banks usually want a longer business history. Some, however, count that you did the same work as an employee before. I tell you which.
Some banks do not accept foreign income, others convert it to crowns and recognise only part of it. I show which accept it and how much they count.
It depends on the bank. Some do not count RSUs at all, and those that do, each differently. I show how much of them each bank recognises.
I am preparing it. Each of you uploads your own documents and I calculate your joint income under each bank’s rules.
For an EU citizen, temporary residence is usually enough. Outside the EU it depends on the bank and the length of stay. I show which banks accept it.
Ideally six months before the end. I am preparing a fixed-rate watch: I start tracking rates, and when your bank sends its new rate, I compare it with the others. Then you decide whether to stay or switch.
I work with 7 banks: ČSOB, Raiffeisenbank, Česká spořitelna, Komerční banka, UniCredit Bank, mBank and Oberbank. I submit applications only to them.
Every number in the Protocol has a source and a rule, so you can check it yourself. AI SummerLab s.r.o. is responsible for the calculation. Write to info@sekundant.cz and we will get back to you. On request, the specialist goes through the calculation with you.
A guilloché computed from the hash of your mandate, like the security print on banknotes. It contains no personal data, so you can share it.
You start with a few numbers about income and savings. You upload documents once you want an exact calculation. No phone number required.
Calculate my mortgageRather with a human? +420 [XXX XXX XXX]
the beta is open · portal.sekundant.cz