Your mortgage plan to finance the property you want.

For a main residence, Swiss lenders generally finance up to 80% of the accepted property value. The remaining 20% must come from equity, with a minimum portion outside the occupational pension fund. If the price exceeds the bank valuation, the difference generally requires additional equity.

The first rank is the long-term part of the mortgage. The second rank covers the upper tranche and normally has to be amortised within fifteen years or before retirement. The plan explains this split before a lender performs its review.

The indicative budget combines interest at the average 5-year fixed rate published on the site, second-rank amortisation and a maintenance allowance. It gives a practical view of housing outgoings without presenting a bank’s theoretical affordability costs as a monthly bill.

Your individual rate will depend on the application, loan-to-value ratio, property, lender and timing. The market average is therefore a benchmark, not a binding offer.

Transfer taxes, notary fees, administrative charges and mortgage note costs vary by canton. They are estimated separately because they are generally not financed by the mortgage. Property use also matters: second homes and investment properties may require more equity.

The result remains indicative. A lender validates the property value, source of equity, affordability and final terms using supporting documents. An adviser can turn this first simulation into a file that can be compared across lenders.