Real estate · Slovakia
Buying a property with a mortgage
A mortgage purchase brings together three sets of agreements: the sale agreement, the bank's loan documentation and the security agreements. Each is drafted by someone different. If they do not fit together, the bank may not release the loan, the seller may not receive payment or the buyer may sign before anything is certain. We align the sale agreement precisely with the drawdown conditions, oversee the order of Land Register applications and complete the transaction through registration of your ownership.
- Agreements aligned with bank conditions
- Correct registration order
- Prices agreed in advance
What we'll do for you
The legal aspects of a mortgage-funded purchase, from reflecting bank conditions in the sale agreement through security agreements and registration order to drawdown and ownership registration.
Select an item to see the details.
-
Initial consultation
We map the transaction and financing — what you pay from your own funds, what the bank releases, whether an existing mortgage encumbers the property and the stage of the loan process. You receive a plan of steps in the right order.
-
Sale agreement matching drawdown conditions
We reflect the bank's conditions directly in the sale agreement — accounts and payment purposes, blocked funds, due dates for each part of the price and what happens if the bank does not release the loan. We also agree the wording with the other party or agency.
-
Security agreement and registration order
We review the bank's security agreement, prepare registration applications and oversee their order — the bank's security interest is usually registered before drawdown and ownership afterwards. The wrong order means the funds do not arrive.
-
Repayment and discharge of the seller's mortgage
If the property is encumbered, we arrange a statement of the seller's loan balance, direct part of the purchase price to their bank and obtain documents for removal of the old security interest from the Land Register.
-
Drawdown and ownership registration
We check that drawdown conditions are met and evidenced, apply to register ownership and monitor both proceedings through registration. The transaction ends when you are the owner and all payments are in order.
Deliverablea sale agreement aligned with the bank's conditions, a registered security interest, loan drawdown and the buyer's ownership registered in the Land Register
We do not provide financial intermediation. We do not compare mortgages, advise on bank selection or assess creditworthiness or loan amounts. That is the bank's or financial intermediary's work; we handle the legal aspects so that the agreements fit together and drawdown proceeds.
How it works
Does this process fit your matter? Describe it to the attorney →
- Consultation and planday 0
We discuss the transaction, financing and loan process. We explain the order of signing, registration and payments — and what to watch for before entering into a reservation agreement.
- Aligning the agreementsafter the loan commitment
We prepare or amend the sale agreement to reflect drawdown conditions, review the bank's security agreement and coordinate the wording with both the other party and the bank.
- Signing and registration of the security interest
We coordinate signing so that nobody signs before they have certainty. We apply to register the bank's security interest, which is usually a drawdown condition.
- Drawdown and ownership
Once the security interest is registered, the bank releases the loan, funds follow the agreed plan and we complete registration of your ownership in the Land Register.
No-obligation enquiry
Ready to start?
Send us an enquiry. We reply within 24 hours with a price confirmation and next steps. The first 30-minute consultation is free and commits you to nothing.
- 1Send your enquiry via this form
- 2Within 24 h you get a price confirmation and plan
- 3We start work only after your approval
Not keen on calls or email? Message us on WhatsApp →
Prefer to book a time right away? Book a consultation →
Or email us about this matter.
What clients ask
Didn’t find your question? Ask us directly →
Why must the sale agreement match the bank's conditions?
Before drawdown, the bank checks that the sale agreement matches the loan documents — payment purpose and amount, the receiving account, due dates and any blocked funds or escrow arrangements. If it does not, the bank simply withholds drawdown and the parties must sign addenda while reservation agreement deadlines continue to run. We therefore reflect the drawdown conditions in the sale agreement before anyone signs it.
In what order do Land Register registration and loan drawdown take place?
The typical sequence is reservation, loan commitment, signing the sale and security agreements, registration of the bank's security interest, loan drawdown and finally registration of the buyer's ownership. The bank usually releases funds only after its security interest is registered, or after an application with a pending-entry marker — depending on its conditions. If the order is disrupted or reversed, drawdown stops and the transaction stalls. We set the precise sequence according to your bank's conditions.
The seller has their own mortgage on the property. Is that a problem?
No, this is common — but the agreement must address it. The seller's bank calculates the loan balance at the repayment date, part of the purchase price goes directly to the loan account and, after repayment, the bank issues consent to remove the security interest (a discharge confirmation). We set amounts, accounts and deadlines in the sale agreement so that you do not acquire the property with someone else's encumbrance — and so removal does not depend solely on the seller's goodwill.
How are my own funds and escrow combined with a mortgage?
Your own funds are usually paid before the loan — often when signing, while the buyer is not yet the owner. It therefore often makes sense to place those funds in lawyer escrow and release them only once agreed conditions are met, while the loan portion comes directly from the bank under its drawdown conditions. We align escrow terms with the bank's requirements so the mechanisms do not conflict. Escrow is a separate follow-on service.
Can you also help with mortgage refinancing?
Yes. In refinancing, the new bank repays the original bank's loan and the secured creditor changes — the new security interest is registered in the Land Register, the old one is removed after repayment and both appear on the title deed in the meantime. We prepare and review the documents, coordinate registration and removal and complete the process through a clear title deed. We do not compare loan offers themselves — we are not financial intermediaries.
Legal Q&A
Common questions on this topic
-
When do I become the owner of a property: on signing the agreement or on land registration?
You become the owner only when ownership is registered in the land registry, not when the agreement is signed. Signing creates contractual obligations only; the seller remains the owner until the registry’s decision. That is why the price should be paid through escrow, releasing funds only after registration, rather than paid to the seller before registration is permitted.
Read the answer -
What must an estate agency agreement contain?
Under an estate agency agreement, the agency undertakes activities aimed at concluding a property agreement, and the client undertakes to pay commission. The agreement should clearly define its scope, commission amount and payment date, duration, any exclusivity, and the agent’s duties. Where the client is a consumer, additional protection applies, including a ban on unfair terms.
Read the answer -
What is the difference between constitutive registration, a declaratory record and a note in the cadastre?
These are three types of cadastral entry with very different effects. Constitutive registration creates, changes or terminates a property right, based on an agreement and only on application. A declaratory record merely records an existing right, based on a public document such as an inheritance certificate or judgment. A note records a fact concerning the property, rather than a right, such as enforcement or a court dispute.
Read the answer
Further reading
Land register access was meant to require login from July. Parliament rejected the amendment: what applies now?
The amendment would have required authentication to access ownership information and narrowed public data. Parliament did not advance it to second reading on 23 April 2026. We explain the proposal, its outcome and current access rules.
Read more →
Lawyer escrow when buying property: why the money should not go straight to the seller
The riskiest stage of a property transfer is the period between signing and land registration. Lawyer escrow of the purchase price protects both parties. We explain how it works.
Read more →
Land consolidation: what owners can influence and why silence means consent
Land consolidation reorganises ownership across an area: original plots disappear and owners receive new ones. Several procedural windows allow influence over the outcome. Missing them means silence counts as consent in both Slovakia and Czechia, and decisions proceed without you.
Read more →