Your property has probably gained value
The home goes up, the mortgage often does not. You probably have more room, and other options open up.
Mortgage review
Should you act, or leave things as they are?
In a few minutes, check whether your mortgage is well positioned, or whether a saving is possible.
At no costNo obligationConfidential data
Excellent5,000+ reviews onTrustpilot
Example review
- Maturity
- February 2029
- Mortgage
- CHF 850’000
- Direction
- Renegotiate · 1.58 %
The real problem is not knowing where you stand.
The property has often gained value. In retirement, income can fall. Without a review, you decide without knowing where you stand.
Retirement can reduce your income
Same payments, less income: you need to know whether it still holds, before you renew.
A poor choice is expensive
The type of rate and how you repay can cost you for years.
Property value
Over the years, your property has often gained value.
The home gains value. The mortgage often stays the same. You then owe a smaller share. That opens other doors, especially if income falls later.
Ten-year example
Same property · unchanged mortgage: CHF 750’000
At purchase · 10 years ago
Purchase price
CHF 1’000’000
Still borrowed
75 %+36,5 %
Swiss apartment prices over 10 years
RealAdvisor sourceToday · if the market kept up
Property value
CHF 1’365’000
Still borrowed
55 %Example based on average Swiss apartment prices, not on your home. Every case is different.Below 2/3: often more options
What that changes
More room on the property, more options.
When you owe less compared with what the home is worth, more banks can follow, and you often have more flexibility. The review tells you where you stand, especially if income falls in retirement.
Easier
Tighter
Your share
02/34/5100 %
More banks possible
Some only step in if you do not owe too much compared with the home’s value.
More flexibility
You can often choose how to repay, instead of being locked in.
Prepare for retirement
Less income, same mortgage. Better to see it before signing a new rate.
Every file is different. The review is about yours, not an average.
Review result
In the end, a clear answer.
Depending on your situation, the review simply tells you what to do, without jargon and without pressure.
What you get
Score and direction · 2 to 3 minutes
Leave things as they are
Your situation is sound. You can stay as you are.
Renegotiate
A better offer or a better structure is possible.
Compare
Some banks or terms may be more interesting for you.
The 85/100 score is an example. Your result depends on your file and current rates.
How it works
How does the review work?
From your answers to a clear direction, in four steps.
1. You answer a few questions
Your situation, your current mortgage or your project.
2. We analyse your position
Rate, maturity, term, bank, affordability and the current market.
3. You get a clear verdict
Stay, optimise, compare or wait.
4. You decide freely
No sales pressure. You only move forward if it makes sense.
Independence
A review designed to clarify, not to sell.
Our role is to give you an honest reading of your situation, so you decide from a position of strength.
See clearly
A sharp picture of your situation versus the market.
Fully independent
No in-house product. Our role: compare and explain.
Decide calmly
Stay, renegotiate or compare: you choose.
Before you sign, check whether your offer is truly good.
In a few minutes, get a neutral review of your mortgage: rate, maturity, term, bank and savings potential.