Mortgage broker in the canton of Vaud: tailored financing
- Call on a Vaud market expert to optimize your mortgage
- How does our brokerage service work in the canton of Vaud?
- Prepare your documents for a fast offer
- Our partners in the canton of Vaud and across Switzerland
- Reviews from our clients in Vaud
- Frequently asked questions
- Find us throughout Switzerland
Looking to buy property in the canton of Vaud? Securing the best borrowing terms in Lausanne, Nyon, Vevey, Montreux or in a more rural municipality can be complex. An independent mortgage broker is the ideal partner to guide you and secure your project at the best rate while simplifying the process.
Call on a Vaud market expert to optimize your mortgage
The Vaud property market is both dynamic and varied. Between major attractive cities like Lausanne or Nyon and the more affordable municipalities of the Vaud countryside, mortgage rates, prices and purchase conditions can differ significantly.
Our mortgage brokers know in detail the criteria used by financial institutions active in the canton of Vaud. Their role: assess your purchasing power and negotiate the most advantageous terms on your behalf.
- Accurate assessment of your budget and your borrowing capacity
- Choice of mortgage type and amortization strategy tailored to your project (primary residence, second home or buy-to-let)
- Competitive bidding across dozens of offers from banks, insurers and pension funds
- End-to-end support until signing at the notary’s office
- 100% free service for private individuals
How does our mortgage brokerage service work in the canton of Vaud?
Your project starts simply:
- Fill out our online form with your key information
- An advisor contacts you to review your situation
- We search for and negotiate several suitable mortgage offers
- You choose the most advantageous option; your broker handles the rest
Our support is free and without obligation. Feel free to use our online mortgage calculator to test different amounts and financing scenarios.
Prepare your documents for a fast offer
A solid file speeds up competitive mortgage proposals. The documents generally requested are:
- Your last 3 payslips
- Your most recent tax return
- Proof of equity (savings accounts, securities, etc.)
- Your LPP certificate (2nd pillar)
- Your pillar 3a statements, if available
Our brokers help you assemble a clear file and optimize your borrower profile to maximize your chances of securing a favorable rate.
Our partners in the canton of Vaud and across Switzerland
As independent brokers, we work freely with a wide network of institutions: cantonal and private banks, insurers, pension funds and credit cooperatives.
Our goal: protect your interests and secure the best terms for you, with full transparency.
Reviews from our clients in Vaud
Frequently asked questions
Which cities in the canton of Vaud should you invest in?
The canton of Vaud is one of the most attractive real-estate markets in French-speaking Switzerland thanks to its economic, cultural and geographic diversity. Each area offers specific opportunities depending on your budget, lifestyle and goals (primary residence, second home or buy-to-let investment).
Lausanne: the canton’s de facto capital, Lausanne stands out for its economic dynamism, role as a university hub and lakeside setting on Lake Geneva. Rental demand is very strong, especially from students, expatriates and working professionals. Prices are high, but capital values are solid and market liquidity is excellent.
Nyon: located between Geneva and Lausanne, Nyon benefits from a strategic position along the Lake Geneva arc. Much appreciated by commuters working in Geneva, it combines a high quality of life, modern infrastructure and strong residential demand. It’s an ideal city for buy-to-let investments targeting families and cross-border workers.
Vevey and Montreux: on the Vaud Riviera, these two cities offer an exceptional setting between lake and mountains, with international renown (Montreux Festival, headquarters of multinationals like Nestlé in Vevey). Prices are buoyant, yet demand remains steady, particularly for second homes and high-end properties.
Morges and its region: more affordable than Lausanne, Morges charms with its character, lakeside promenade and proximity to the cantonal capital. Its housing market appeals to families and buyers seeking a balance between dynamism and tranquility.
Yverdon-les-Bains and northern Vaud: a fast-growing area with more accessible prices and strong population growth. Well served by transport, it’s an attractive option for first-time buyers and yield-focused investors.
Gros-de-Vaud (Echallens, Orbe, etc.): rural and semi-rural zones offering generous living space at a more reasonable price per m² than along the Lake Geneva shoreline. New infrastructure and proximity to major road links boost their appeal.
In short, your choice of city depends on your priorities:
• Capital preservation and prestige: Lausanne, Montreux, Vevey.
• Safe buy-to-let investment: Lausanne, Nyon.
• Price/space balance: Morges, Yverdon.
• Optimized budget and rural setting: Gros-de-Vaud, Orbe, surrounding municipalities.
Our brokers help you identify the area that best fits your goals, whether you’re aiming for rental yield, a primary residence or a long-term wealth investment.
How much does a mortgage broker cost in the canton of Vaud?
Our service is completely free for private individuals. Compensation is covered by the chosen institution, with no impact on your rate.
Can I consult a broker without a specific property in mind?
Yes — it’s recommended. A mortgage pre-approval lets you move quickly when you find a property and strengthens your file with sellers.
What mortgage options are available in the canton of Vaud?
Choosing a mortgage is a key step in your property financing. In the canton of Vaud, several formats exist, each offering advantages depending on your situation, objectives and risk tolerance. Our brokers help you compare these options and find the one that best suits your project.
Fixed-rate mortgage
With an interest rate guaranteed for a set term (often 2 to 15 years), a fixed-rate mortgage is ideal if you seek stability and want to control costs over the long term. It’s recommended in low-rate environments or if you prefer to avoid market fluctuations.
SARON mortgage (Swiss Average Rate Overnight)
Indexed to the Swiss money-market rate, a SARON mortgage generally starts lower but can vary during the term. Suitable for flexible profiles able to handle a potential rise in monthly payments.
Mixed mortgage
A mixed mortgage splits your loan between a fixed-rate portion and a SARON-indexed portion. It offers a balance between security and flexibility and helps smooth risk while benefiting partially from variability.
Construction mortgage
Designed for projects in progress (new build, extension or renovation), a construction mortgage allows progressive drawdowns of funds as the works advance. Once completed, it’s converted into a standard mortgage.
Our independent brokers compare offers for you from banks, insurers and pension funds to determine the best-fit solution for your profile (primary residence, buy-to-let, second home, construction project).
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What mortgage options are available in the canton of Vaud?
Choosing a mortgage is a key step in your property financing. In the canton of Vaud, several formats exist, each offering advantages depending on your situation, objectives and risk tolerance. Our brokers help you compare these options and find the one that best suits your project
Fixed-rate mortgage
With an interest rate guaranteed for a set term (often 2 to 15 years), a fixed-rate mortgage is ideal if you seek stability and want to control costs over the long term. It’s recommended in low-rate environments or if you prefer to avoid market fluctuations.
SARON mortgage (Swiss Average Rate Overnight)
Indexed to the Swiss money-market rate, a SARON mortgage generally starts lower but can vary during the term. Suitable for flexible profiles able to handle a potential rise in monthly payments.
Mixed mortgage
A mixed mortgage splits your loan between a fixed-rate portion and a SARON-indexed portion. It offers a balance between security and flexibility and helps smooth risk while benefiting partially from variability.
Construction mortgage
Designed for projects in progress (new build, extension or renovation), a construction mortgage allows progressive drawdowns of funds as the works advance. Once completed, it’s converted into a standard mortgage.
Our independent brokers compare offers for you from banks, insurers and pension funds to determine the best-fit solution for your profile (primary residence, buy-to-let, second home, construction project).
Find us throughout Switzerland
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