What is group refinancing?

Group refinancing 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 group 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 groups formed?

Groups 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.

Join group refinancing

Structured group refinancing

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

At maturity, most homeowners renew with their current bank for lack of leverage. RealAdvisor Finance adds your file to an institutional group and negotiates terms you would not obtain on your own.

Structured and confidential process
No commitment, full freedom of choice.

Group negotiation

Aggregated volume

CHF 100 million

How group refinancing 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.

Grouping 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.

Institutional volume

Why volume changes the game

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

Institutional pricing at scale

Better predictability for lenders

Optimized portfolio allocation

Professional structuring of files

Individual negotiation

1 file

Limited bargaining power. Standard conditions.

Group negotiation

100M+

Structured volume. Institutionally negotiated conditions.

Why join the group?

Stronger bargaining power

Structured volume attracts a different kind of institutional attention than a single file.

Confidentiality preserved

Your file stays individual and confidential; the group is only a collective lever with lenders.

No commitment

You receive offers and decide freely to accept or decline, with no contractual obligation.

Reserve your spot in the next group

Next institutional negotiation session coming soon. Free, non-binding registration.

Free, confidential and non-binding

A leading refinancing network in Switzerland

Simple, transparent, and non-binding guidance.

Nationwide

Coverage

Exclusive

Access to exclusive lenders

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 group

Next institutional negotiation session coming soon.

Step 1 of 2Your mortgage

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

Frequently asked questions

26 cantons

Available across Switzerland

Exclusive

Access to exclusive lenders

24h

Average response time

Is your mortgage renewal approaching?

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

Talk to an advisor

Next group refinancing