Several tranches
What if your mortgage has several tranches?
Each tranche keeps its own maturity date. An advisor can help coordinate renewals and avoid a structure that restricts your ability to change lenders.
Refinancing calculator
Calculate your savings. Compare before you renew.
Compare your mortgage with Swiss market terms and get a quantified savings estimate. In 2 minutes, at no cost and with no obligation.
At no costNo obligationConfidential data
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Simulate your savings
With the best Swiss market rates · indicative
Best rate 10-year fixed : from 1,63 %
Estimated savings over 10 years
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Indicative estimate with no obligation. Actual savings depend on each file, situation and lender.
Taux Radar
Today’s best rates
We track the market for you. Indicative rates, updated daily.
Indicative rates, non-binding. Your final rate depends on your profile, the property, available offers and market conditions.
The right time to act
A calendar built around your maturity
Your maturity date sets the pace. The next step is to prepare the right decisions in the right order.
- 01
12 to 24 months before
clarify your situation, plans and potential income changes.
- 02
6 to 12 months before
compare strategies, terms and available market conditions.
- 03
3 months before
finalize the file, choose the lender and secure the new solution.
Digital when useful. Human when decisive.
When should you prepare to refinance your mortgage?
In Switzerland, a mortgage maturity is best prepared several months ahead. Starting early lets you compare fixed and SARON options, gather documents and negotiate without the pressure of the renewal date.
A secure place to stay on track
Your maturities, documents and next actions remain centralized. Move at your own pace without losing useful information.
- Reminders tailored to your maturities
- Documents gathered in one place
- History available at any time
Group refinancing · exclusive
Stop renegotiating your mortgage alone.
We typically bring together 50 to 100 homeowners to negotiate together. Each file stays individual. No obligation: you decide.
Independent advice
Independent advice when it is time to compare
As the decision window approaches, choose an advisor to review the strategy, structure the tranches and compare available solutions.
Clear answers before deciding
Frequently asked questions about mortgage refinancing
Is the displayed rate a binding offer?
No. The average 5-year fixed rate is an indicative benchmark based on rates published on the site. Final terms depend on the property, loan-to-value, credit profile and lender.
Can I refinance before maturity?
Sometimes, but leaving early may involve a penalty. Its cost should be compared with the expected benefit of the new solution.
What does no-cost tracking include?
It records your maturity and sends reminders at the right time. You remain free to involve an advisor when you want to compare or prepare the file.
What is group refinancing?
We typically bring together 50 to 100 homeowners to negotiate with a broader range of lenders. Each file stays individual and without obligation. You then decide whether to accept the offer.
Your savings
Quantify the gap, then decide.
An indicative estimate in two minutes. An adviser refines the figure based on your file.