Stop renegotiating your mortgage alone.
Most homeowners renew without comparing a single offer.
Get up to CHF 100,000 extra with your refinancingExcellent5,000+ reviews onTrustpilot
Your advantage
Two ways to benefit from the group
Lower your costs or get an extra amount: the rate negotiated for the group applies either way.
Option 1 · Pay less
0.3% sounds small.
Work out what a 0.3% rate gap means on your own mortgage.
CHF 200
less per month
CHF 12,000
over the term (5 years)
Indicative estimate for a 0.3% rate gap, excluding fees and any early-repayment penalty. Actual savings depend on your file and lenders’ responses. No outcome is guaranteed.
Option 2 · Get an extra amount
Refinance and get more.
Up to CHF 100,000
extra, thanks to an increase of your mortgage
- Example
- Current mortgage
- CHF 800,000
- After group refinancing
- CHF 880,000
- Extra amount available
- + CHF 80,000
Renovation of your property, improving your retirement, buying another property or a reserve.
Indicative example. Amount depends on your file, subject to the property value and your affordability.
Why the group
Why the group gets better terms.
Alone, your bank knows your file and you do not know its margins. Together, the balance of power shifts.
Offers compared
Several lenders
Alone with your bank : Just one
Lenders
Banks and institutions
Alone with your bank : Mostly banks
Negotiating weight
Up to 100 homeowners
Alone with your bank : One isolated file
Offer
Group-only
Alone with your bank : Standard
Decision
Comparing several offers
Alone with your bank : Nothing to compare against
What you get
Up to −0.3%
A volume-negotiated rate for the whole group
No penalty
if you sell, depending on the offer
Up to CHF 100,000
extra through a mortgage increase, depending on your file
The journey
A 100% digital journey, secure and hosted in Switzerland.
- 12 min
Registration
2 minutes online, no obligation.
- 2Profile pooled
Pooling
Your profile joins the next operation.
- 3Negotiating
Negotiation
We negotiate for the whole group.
- 4Offer received
Your terms
Your offer, your decision.
A real advisor, reachable at every step.
In your secure digital space, you message your advisor directly. They answer your questions, prepare your file and guide you through to the offer.
- One single contact, from start to finish
- Personal answers for your situation
- Confidential exchanges, hosted in Switzerland
Before you register
Frequently asked questions
What does it cost?
Registration is at no cost and without obligation. A CHF 350 file fee is charged only at the detailed review, before negotiation. RealAdvisor Finance is also paid by the selected lender, as is usual in Switzerland. That remuneration does not affect the terms offered to you.
How does the mortgage increase work?
When you refinance, your mortgage can be increased to provide up to CHF 100,000 extra, at the rate the group obtained. The amount depends on your property value, your equity and your affordability: we check it with you during the file review. This amount is for projects linked to your assets (renovating the property, improving your retirement, buying another property, a reserve), not for consumer credit.
When is the next operation?
An operation starts as soon as a group of homeowners with similar profiles has formed. Register with no obligation: we let you know as soon as an operation matches your maturity.
My maturity is still far off. Can I take part?
Yes. You can register up to 24 months before your maturity. Depending on your situation, some terms can be secured in advance, or we direct you to the operation whose timing matches your maturity.
Why don’t these lenders make me an offer directly?
Insurers, pension funds and mortgage funds work on volumes, not on isolated files. The group presents them with a financing volume: that is what opens the negotiation and makes the offer specific to the group.
Can a penalty cancel the benefit?
Refinancing before maturity can trigger a penalty. It is compared with the expected savings. Some group offers include a penalty-free exit if the property is sold.
Is this a club or a subscription?
No. You register your interest. We contact you when an operation matches your situation. You remain free to confirm or not.
Can I stay with my bank?
Yes. You can use the group offer to compare, to renegotiate with your current lender, or to decline it.
Who sees my file?
Other participants see neither your identity nor your data. The group only pools volume for negotiation. Your file stays individual and confidential.
Ready to stop negotiating alone?
Register for the next group operation. We will let you know as soon as a group matches your situation.
Registration at no cost · No obligation · 2 minutes