Mortgage-lending insurer: definition
In Switzerland, some insurance companies offer mortgages in addition to, or as an alternative to, banks. They therefore become mortgage lenders, with their own conditions on rates, term and amortisation.
Benefits of a mortgage-lending insurer
These players can offer competitive rates, especially on certain maturities, but with specific underwriting criteria. Comparing banks and insurers helps you find the most advantageous combination, particularly as part of an overall pension and wealth strategy.
Example of a financing offer
A borrower receives fixed-rate mortgage offers from two banks and an insurance company. lending insurer offers a slightly lower 10-year rate, with amortisation terms that fit the project. Considering the whole package (insurance, pension planning, flexibility), they ultimately choose this option.
