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Save on your mortgage
Discover in less than 2 minutes if you're paying too much for your rate and how much you can actually save.
On a CHF 700,000 mortgage, a 0.20% difference represents CHF 14,000 savings over 10 years.
3 quick questions – instant result
How to renegotiate your mortgage in Switzerland
Here's how we support you — simply, clearly and with expertise
Analysis of your current loan
Evaluation of your current mortgage rate and financing conditions. We identify possible savings opportunities when renewing your loan.
Comparison of offers
We compare available refinancing offers from Swiss banks, insurance companies and pension funds, to offer you the most advantageous conditions.
Negotiation and finalization
We negotiate directly with partner institutions to optimize your rate and conditions, and support you until signing the new contract.
Why renegotiate your mortgage?
Save thousands of francs on your real estate loan in Switzerland
Free estimate of your savings
Our refinancing simulator allows you to instantly calculate how much you could save by renegotiating your mortgage rate.
Expert rate negotiation
Our Swiss real estate loan specialists negotiate the best conditions for you when renewing your mortgage.
Personalized support
A dedicated advisor accompanies you at every step of your mortgage refinancing, from comparing offers to signing.
Expert advice
Benefit from our expertise to optimize the structure of your real estate loan and maximize your long-term savings.
Everything you need to know about mortgage refinancing in Switzerland
Did you know?
In Switzerland, more than 60% of homeowners renegotiate their mortgage with their current bank and accept the first rate offered. However, a simple comparison of mortgage rates can save you between 5,000 and 15,000 CHF per year.
When to refinance your real estate loan?
Anticipate your renewal to avoid being forced by your deadline. The ideal time to renegotiate is between 3 and 6 months before the end of your contract, but the best opportunities are prepared up to 18 months in advance. By starting early, you maintain complete freedom of choice and maximize your chances of getting a better rate.
The advantages of mortgage refinancing
Significant savings
A reduction of only 0.25% on a 500,000 CHF loan represents a saving of 1,250 CHF per year, or 12,500 CHF over 10 years.
Better protection
Renewing your mortgage allows you to adapt the duration and type of loan to your current situation and market forecasts.
How to compare mortgage rates in Switzerland?
Comparing mortgage rates requires considering several factors:
- The nominal interest rate : This is the base rate offered by the bank
- Processing fees : Some banks charge fees during refinancing
- The loan duration : Rates vary depending on whether you choose a 2, 5, 10 or 15-year mortgage
- Early repayment conditions : Important if you plan to sell your property
- Amortization options : Direct, indirect or mixed
RealAdvisor Finance: Your partner for successful refinancing
Thanks to our network of partners and our expertise in the Swiss mortgage market, we negotiate the best refinancing conditions for you. Our team of experts analyzes your file and accompanies you at every step of the process.
Why choose us?
Our expertise at your service
Recognized expertise
More than 10 years of experience in real estate financing
Time saving
We take care of all the procedures for you
Confidentiality
Your data is protected according to banking standards
Extended network
Privileged access to the best market conditions
They trusted us
Concrete results for our clients
"Thanks to RealAdvisor Finance, I saved more than 12,000 CHF over 5 years by renegotiating my mortgage. The process was simple and quick."
"Professional service and expert advice. They found a much better rate than my current bank."
"A responsive and attentive team. The refinancing of my real estate loan was stress-free with substantial savings."
Frequently asked questions
Everything you need to know
Is your mortgage renewal approaching?
Don't let your bank decide alone. Compare Swiss mortgage rates and save on your loan.