When should you start?
Ideally start 12 to 24 months before maturity.
Mortgage refinancing
Your mortgage is approaching maturity. Compare before renewing.
On our digital platform, estimate your potential, compare your terms with the Swiss market and prepare your refinancing. Independent financial advisers are available if you would like personal support.
At no costNo obligationConfidential data
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Example file
- Maturity
- March 2029
- Mortgage
- CHF 850’000
- Market benchmark
- 1.65 % · 5-year fixed
Three questions before renewing.
How do you compare?
Compare your rate and structure with market benchmarks.
What file should you prepare?
Gather the useful information before approaching lenders.
HypoScore review
See where your mortgage stands versus the market, in a few minutes.
The chatbot reviews your rate, maturity and structure. You get a score and a clear direction: stay, renegotiate or compare. No obligation. You decide next.
What you get
Score and direction · 2 to 3 minutes
Stay
Your file is already well positioned.
Renegotiate
A better structure is possible.
Compare
Other lenders may do better.
The 85/100 score is an example. Your result depends on your file and current rates.
Group refinancing · exclusive
Stop renegotiating your mortgage alone.
We typically bring together 50 to 100 homeowners to negotiate with a broader range of lenders. Each participant then receives a proposal tailored to their file. No obligation: you decide.
Next group operation
Registration open · no obligation
- 50 to 100
- homeowners grouped together
- 3 to 4
- operations per year
Individual file, confidential data. Terms depend on your situation and lenders’ responses.
Ten years of property value
Ten years later, your property may strengthen your file.
Bought for CHF 1’000’000 with a CHF 750’000 mortgage, this property would be worth CHF 1’365’000 if it had followed the RealAdvisor index (+36.5% over ten years). Its loan-to-value ratio would then fall from 75% to 54.9%, below the indicative first-rank threshold.
Ten-year example
Same property · constant mortgage: CHF 750’000
At purchase · 10 years ago
Purchase price
CHF 1’000’000
Loan-to-value
75,0 %+36,5 %
Swiss apartment prices over 10 years
RealAdvisor sourceToday · indicative value
Property value
CHF 1’365’000
Loan-to-value
54,9 %Illustration based on the national average change in apartment prices, not a valuation of this property. The bank determines the accepted value and final structure.First-rank threshold: 66.7%
Financing structure
First rank can broaden your refinancing options.
Below a loan-to-value ratio of around 66.7%, the mortgage is generally first rank. The portion above that, up to 80%, is second rank and must be amortised.
First rank · up to 66.7%
2nd rank
Equity
0 %66,7 %80 %100 %
More potential lenders
Some lenders only finance, or favour, files with a moderate loan-to-value ratio.
Potentially better terms
A lower loan-to-value reduces lender risk and may strengthen your position when comparing offers.
No mandatory amortisation
The first-ranking portion generally does not have to be amortised. Voluntary repayments remain possible.
Access to lenders and the terms offered still depend on affordability, the property, the term and the full file. The accepted value may differ from the estimated market value.
Online refinancing portal
Prepare and track your refinancing online.
The portal helps you assess your situation, centralise your file and track the next steps. You start online at your own pace; an adviser can step in only if your situation requires it.
1. Estimate
Enter the key details of your mortgage.
2. Centralise
Bring maturities, information and documents together.
3. Track
Track each step and compare your options online.
Your maturity date deserves preparation.
Quantify your potential savings in a few minutes.