Independent of banks and insurers

Your finances.
Your interests.

From mortgages to insurance, I compare your options, explain the differences clearly and guide you through the entire process.

Since 2017independent adviser
End-to-endapplication support
Olivér Tóth, financial intermediary
✓ Free advicePersonal, independent guidance
⌕Compare offers
◇Clear explanations
✓Application support
✦Free advice

Client reviews

Translated from Hungarian
1 / 5
Gonda Zsigmond Dávid
“I have turned to Olivér for financial and insurance advice for years. He always explains the options promptly, clearly and honestly, and I can rely on him even after signing a contract. It is reassuring to have a professional who knows my situation and keeps my interests in mind.”
Gonda Zsigmond Dávidclient
Ladjánszki Zoltán
“As a taxi business owner, I need insurance for all my vehicles handled quickly, accurately and transparently. Olivér arranges liability and comprehensive cover for all my taxis, pays attention to detail and lets me know what needs doing in good time. He is a knowledgeable, reliable partner I can count on.”
Ladjánszki Zoltántaxi business client
Tóth Attila
“The whole process with Olivér was quick and smooth. He explained every step clearly and was always happy to answer my questions. I felt I was in safe hands throughout. He is a reliable, knowledgeable professional whom I would gladly recommend.”
Tóth Attilaclient
Tropical beach – illustration for Anikó Deák’s review
“I wanted to start planning for my grandchild’s future, and it was important to find a solution tailored to us. Olivér patiently assessed our needs, explained the options clearly and helped put together a personalised savings plan. He is knowledgeable and reliable, and gave clear, reassuring answers to all my questions.”
Deák Anikóclient
Pál Szűcs travelling
“We travel a lot, so having suitable cover for each trip matters to us. We have trusted Olivér with our travel insurance for years: he is quick, flexible and helps us choose cover suited to each journey. He is a thorough, reliable professional we can turn to with any question.”
Szűcs Pálclient
Services

Clarity for life’s big decisions

We start with your goals, then compare offers from several financial institutions to find a suitable solution.

♢

Independent insurance advice

As an insurance broker, I represent your interests. You receive personal support from arranging cover to making a claim.

Shown in gold: paperless applications available

Home insuranceLife insuranceAccident insuranceComprehensive & motor liabilityLoan protectionTravel insuranceHealth insuranceHealth savings fundPet insurancePension insurance

Calculate your options

Enter your loan purpose, amount and term in the calculator. The external calculator is available in Hungarian.

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Need help? Let’s review your options together.

Featured programme

Wekerle Plusz home loan

Buying or building a home in Hungary? Explore Wekerle Plusz, check your eligibility and compare bank offers with independent guidance.

Fixed annual interest
3%

For buying a newly built home or building a home

5%

For buying an existing home

Fixed throughout the term. No marriage or commitment to have children required.
HUF 50 millionmaximum loan amount
25 yearsmaximum loan term
Aged 18–44from age 18, before your 45th birthday
5-year residenceyou must live in the property; letting is not permitted
HUF 100m / 150mprice limits for apartments / single-family houses
HUF 1.5m/m²maximum price per square metre
Check your eligibility firstNo multi-year Hungarian social insurance (TB) history is required. Property ownership rules and the bank’s income, credit, deposit and property checks still apply.

Can foreign nationals apply?

Yes, eligible foreign nationals may apply. No multi-year Hungarian social insurance (TB) history is required, but this alone does not establish eligibility.

Eligible residence categories include people exercising EU/EEA free-movement rights and a right to stay in Hungary for more than three months, third-country nationals with long-term residence status, and recognised stateless persons.

A temporary residence permit alone does not establish eligibility. Age, property ownership, five-year occupancy and lender affordability requirements also apply. I can help you check your residence documents and the bank’s requirements before you apply.

Eligibility rules: Government Decree 298/2026, Section 4 (Hungarian) ↗

Updated: 30 October 2026. Detailed legislation and lender terms apply. Official programme information (Hungarian) →

About me

I’m Olivér Tóth

“I represent my clients’ interests when comparing banking and insurance products.”

I have worked as an independent loan intermediary and insurance broker since 2017. I look for clear, predictable solutions suited to your circumstances and explain both the benefits and the risks.

✓ Independence
✓ Transparency
✓ Prompt responses
✓ Data privacy

My adviser profile on money.hu ↗

Contact

Let’s start with a conversation

Tell me what you want to achieve. I’ll help you understand your options and the next steps.

⌖1023 Budapest, Bécsi út 3–5.
5th floor, offices 52–53 (doorbell: 59)
☎+36 70 637 6123✉info@olivertothpenzugy.hu

Free consultation

Three short steps to help me understand what you need.

What would you like help with?

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Details and provider policies (Hungarian)