Becoming a homeowner in Switzerland
Find out how to become a homeowner in Switzerland: budget, own funds, bank requirements, taxation and key steps, all explained in simple terms to secure your property purchase. Learn how to calculate your debt ratio, structure your down payment, compare mortgage offers, and anticipate additional costs so you can turn your home-buying plan into a well-informed and sustainable decision.
Risk profiles for investors and primary residences
Understand your risk profile in Switzerland to compare a primary residence with an investment property, anticipate lender requirements and optimize your mortgage.
Mortgage loan for rental investment in Switzerland
Mortgage loan for rental investment in Switzerland: conditions, equity, yield, taxes, risks and expert advice to finance your rental property efficiently.
How to calculate your mortgage debt ratio in Switzerland?
Debt ratio in Switzerland: definition, calculation and examples for your mortgage. Assess affordability, borrowing capacity and budget with a mortgage adviser.
How to become a homeowner in Switzerland without equity?
Becoming a homeowner in Switzerland without equity: regulations, pension funds, pledging of pension pillars, financial support, precautions and tax planning.
Loan-to-value ratio for your mortgage in Switzerland
Understand the LTV ratio in Switzerland: calculation, bank limits, equity impact and pledging options for your mortgage financing.
Rental income: how is your property income taxed?
Learn how rental income is taxed in Switzerland: property income reporting, available deductions and the tax implications for landlords.
Pillar 3a for property purchase – use it as equity
Pillar 3 for property purchase in Switzerland: use pillar 3a for own funds, pledging and a sustainable mortgage strategy to buy your home with confidence.
Mortgage amortization plan: calculate your schedule
Create your amortization plan for a mortgage loan in Switzerland: calculate your monthly repayments, interest, repaid capital and remaining loan balance.
Mortgage Over-Indebtedness: Causes, Risks, Prevention
Discover the causes of mortgage over-indebtedness in Switzerland, the risks for your budget and the solutions to prevent an excessive financial burden.
SNB policy rate: impact on real estate and mortgages
Understand how the SNB policy rate affects mortgages, the SARON rate, the Swiss property market and the financing of your home purchase in Switzerland.
Rental investment: buy and rent an income property
Rental investment and income property: how to buy to rent, invest in Swiss real estate, and aim for positive returns with a well-structured mortgage plan.
Energy renovation: grants and tax deductions in Switzerland
Energy renovation in Switzerland: renovation grants, thermal insulation, tax deductions and mortgage financing with a specialist Swiss mortgage broker.
Can a mortgage be transferred? Mortgage refinancing
Can you refinance your mortgage early with another bank? Mortgage refinancing: how does it work, and what are the risks and penalties?
How to deduct mortgage loan interest in Switzerland
Mortgage interest deduction in Switzerland: when it is allowed, which interest is deductible, and which costly tax mistakes you should avoid in your return.
How to Calculate Rental Yield in Switzerland?
Rental yield: calculate your Swiss property’s rental profitability before taking out a mortgage, with or without pledged assets as additional collateral.
Mortgage: how much are the application fees in Switzerland?
Mortgage application fees in Switzerland: learn how they are calculated, how they work and how to negotiate them before finalising your mortgage loan.
Positive cash flow: calculate Swiss rental property returns
How can you achieve positive cash flow with a rental property investment? Detailed calculation and strategies to improve your project’s profitability.
Building Insurance in Switzerland: Coverage, Requirements and Rates
Everything you need to know about building insurance in Switzerland: coverage, cantonal requirements, rates and tips for making the right choice.
Condominium Fees in Switzerland: Definition and Calculation
What are condominium fees in Switzerland? Find out how they are calculated and distributed among co-owners.
Renovation Fund in Condominium : Legal and Best Practices
Renovation fund in Swiss condominium ownership: rules, annual contributions, legal framework, association advice, projections and tax points for PPE owners.
How to choose the right mortgage in Switzerland?
How can you find the best mortgage in Switzerland and choose the right home loan type—fixed, variable or mixed—to obtain the best financing conditions?
How much can I borrow to buy my home in Switzerland?
Calculate your real estate borrowing capacity in Switzerland: a simple method, examples, a chart, and tips to see how much you can borrow for the best mortgage
Tax deductions in Switzerland: what can you deduct and how much?
Deductible expenses, imputed rental value, maintenance, renovations: find out how to reduce your taxes and how much you can actually deduct.
Second pillar withdrawal for a property purchase: key rules
Can you withdraw your second pillar (BVG/LPP) for a property purchase in Switzerland? Learn how much you can take, whether it makes sense, and tax consequences.
