We use cookies to improve your experience, deliver personalised content, and analyse our traffic. You can accept or reject analytics and advertising cookies separately.
Personalised advice and access to exclusive offers to secure the best rates for your project.
Whether you are still exploring or ready to sign, our experts guide you with precision.
Know your real budget before you visit properties — understand exactly what you can finance.
Calculate my budgetSecure the best financing terms now. We negotiate for you across 30+ banking partners.
Choose my advisorThree practical reasons to structure your mortgage before you commit to a lender.
Every institution stands by its own terms. An independent advisor submits your file to several lenders at the same time and builds the structure that best fits your situation—fixed rate, SARON or a combination—before you sign anything.
Tranche length, direct amortisation or via the third pillar, rank on the mortgage certificate: these choices have a measurable impact on your annual burden. We model them in advance, based on your cantonal tax position and your real repayment capacity.
The mortgage certificate, the distinction between first and second mortgage, rental value and its tax impact: we explain every line before the bank meeting. You arrive with a structured file and precise questions, not grey areas.
Independent advisors in Switzerland: a random sample of profiles on each page load. Open a profile or browse the full directory.
Conseiller Financier — GE
Conseiller financier - Immobilier & Prévoyance — GE · VD
Spécialiste en financement hypothécaire — Fribourg
3 min read
Read article →
4 min read
Read article →
4 min read
Read article →You typically need at least 20% of the property value in equity. At least 10% should be “hard” equity (savings, securities, gift) rather than 2nd pillar (pension) assets.
You can use early withdrawal (capital payout) or pledging. Withdrawal boosts equity but reduces retirement benefits; pledging often preserves more pension coverage.
Acquisition costs (notary, transfer tax, land registry) vary widely by canton (often roughly ~1%–~5%). They usually cannot be financed by the mortgage and need additional equity.