Mortgage broker in Geneva: Compare the best offers for your mortgage
Do you want to buy a property in Geneva and need financing? You’ve come to the right place! Our mortgage brokers in Geneva allow you to quickly compare bank offers and get the best interest rate.
Our brokers make your real estate project possible!
Between complex regulations, varying loan conditions from one bank to another, and the local property market, it is essential to have the right support to avoid pitfalls and secure the best conditions for your mortgage in Geneva.
Our mortgage brokers are independent experts acting as intermediaries between you and lending institutions. They compare mortgage rates and negotiate the best loan conditions for you based on your profile and project.
By choosing our support, you benefit from:
- A precise assessment of your purchasing capacity by a professional
- A personalized financing strategy and a strong file to present to banks
- Simplified access to multiple banks without having to approach them yourself
- Valuable time savings: a single request, several offers compared
- Personalized support throughout your mortgage process
- In-depth knowledge of the Geneva real estate market, to better advocate for your case
Our goal: to help you buy with confidence, with the right financing at the right time.
Amortization is also a key step in your mortgage financing. It refers to the gradual repayment of your debt, usually down to 65% of the property’s value.
Our brokers help you choose between:
- Direct amortization, with regular repayments of the principal
- Indirect amortization, through a 3rd pillar, allowing for tax optimization
Structuring your amortization properly means gaining flexibility and tax advantages.
How to contact our brokers?
In just a few clicks, we connect you with trusted and recognized brokers, specialized in real estate financing in French-speaking Switzerland.
- Fill out our short online form to describe your project
- A partner broker will contact you to analyze your situation
- You will then receive several personalized offers within 48 hours and choose the most advantageous
Whether you’re buying an investment property, a house, or an apartment in Geneva, we help you secure the most suitable financing for your real estate project. Our service is free and without obligation for individuals.
What documents are required for a mortgage application?
To allow our brokers to conduct an initial analysis of your file and present you with the best offers, you can start preparing the following documents:
- The last 3 payslips
- Your latest tax return
- Proof of your personal funds (bank accounts, savings, etc.)
- The LPP certificate (from your pension fund)
- Statements of 3rd pillar assets (if used in the financing)
A personalized list of additional documents may be requested depending on your situation.
With these documents, and once the property is found, your broker can speed up negotiations with banks and secure financing under the most favorable conditions, in the shortest possible time.
Our Partner Banks and Insurances
We collaborate with a wide network of trusted Swiss banks, insurance companies, and financial institutions. Thanks to these partnerships, our brokers can compare in real time the offers available on the market and provide you with the best conditions based on your project and profile.
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Frequently Asked Questions – FAQ
What is the cost of a mortgage broker in Geneva?
In most cases, the service is free for the client. The broker is paid by the bank upon loan completion.
Do I need to have already found a property before contacting a broker?
No, you can contact a broker beforehand to know your borrowing capacity and obtain a mortgage pre-approval.
How long does it take to get a mortgage offer?
After your request, you will generally be contacted within 24 hours and receive your first proposals within a few days.
What are the different types of Swiss mortgages?
Fixed-rate mortgage
With a fixed-rate mortgage, the interest rate remains stable for the entire contract duration (generally 2 to 10 years, or more). It is the ideal solution for those who want to secure their budget and protect against rising rates.
Variable-rate mortgage (SARON)
The variable-rate mortgage is based on the SARON reference rate (Swiss Average Rate Overnight) and follows the Swiss money market. It can offer advantageous short-term rates but carries a risk if rates increase.
Mixed mortgage
The combined mortgage (mixed) blends fixed and variable rates. It allows risk distribution and benefits from the security of a fixed rate and the flexibility of SARON. It is a hybrid solution, often suitable for borrowers who want to balance stability and flexibility.
Construction Mortgage
Specifically designed to finance the construction of a property, the construction mortgage allows funds to be released progressively as the work advances. It is generally converted into a standard mortgage once the construction is completed. It is the ideal solution for individual house or new building projects.
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