What is a refinancing pool?

A refinancing pool brings together homeowners with similar profiles (canton, maturity, risk profile) to negotiate collectively with financial institutions. Combined volume provides access to terms that individual files often cannot obtain.

Is my case handled individually?

Yes. Your file remains strictly confidential and individual. The pool is a negotiation mechanism: institutions respond to a structured tender on total volume, while each offer is addressed to you personally.

Am I committed by signing up?

No. Registration is non-binding. You will receive negotiated offers and remain fully free to accept or decline any proposal.

How are pools formed?

Pools are built around homogeneous profiles: same geographic area, similar maturity period, and comparable risk profiles. This homogeneity improves the quality of the dossier presented to institutions.

Which institutions participate?

We work with a network of banking and insurance institutions in Switzerland. Tenders are sent to all partners relevant to your profile.

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Structured refinancing pool

Is your mortgage maturing within 24 months? Do not negotiate alone.

Join a structured refinancing pool and access volume-negotiated terms with Swiss financial institutions.

When institutions discuss CHF 50 million rather than one single file, negotiation dynamics change.

Structured and confidential process

No commitment — full freedom of choice

How the pool works

A structured four-step process, from registration to receiving offers.

Enter your maturity date

Tell us your maturity date and a few details about your property. It takes less than 2 minutes.

Pooling requests

We group homeowners with similar situations to negotiate volume terms with financial institutions.

Volume negotiation

We negotiate for you with our financial partners. The higher the volume, the better the terms.

You receive the offers

You receive offers and choose freely. No obligation on your side.

Why volume changes the game

Financial institutions price differently when handling structured volume. A homogeneous pool offers better predictability and enables optimized portfolio allocation.

Institutional pricing at scale

Better predictability for lenders

Optimized portfolio allocation

Structuration professionnelle des dossiers

Individual negotiation

1 file

Limited bargaining power. Standard conditions.

Pool negotiation

50M+

Structured volume. Institutionally negotiated conditions.

A leading refinancing network in Switzerland

Simple, transparent, and non-binding guidance.

Nationwide

Coverage

30+

Selected financial partners

Transparent

A clear process at every step

100%

On your side

No commitment — you remain free to choose

Confidential data, hosted in Switzerland

Member of the RealAdvisor group, active since 2017

Reserve your spot in the next pool

Next institutional negotiation session coming soon.

Limited to homogeneous profiles per pool. Next institutional negotiation session coming soon.

Frequently asked questions

26 cantons

Available across Switzerland

30+

Selected financial partners

24h

Average response time

Is your mortgage renewal approaching?

Join the next refinancing pool and benefit from the bargaining power of scale.

Next refinancing pool