Mortgage in Bern: Finance your real estate purchase!
Do you want to embark on the purchase of a property in Bern to live there or simply to invest? A mortgage is often the most suitable solution to finance your acquisition. Discover the different options available to become a homeowner in this city full of opportunities!
Where to invest in Bern?
The political capital of Switzerland, Bern attracts with its cosmopolitan atmosphere, rich historical heritage, and exceptional natural environment. Located at the confluence of the Aare, the city is both modern and traditional, offering a high quality of life. Bern’s real estate market is stable and offers a wide variety of properties, with competitive prices compared to other major Swiss cities.
Popular areas and neighborhoods in Bern:
- Bern city center: a UNESCO World Heritage site, this neighborhood combines medieval buildings and modern properties in a unique atmosphere. The city center provides access to local shops, restaurants, and a dynamic cultural life, while being just steps away from political and administrative institutions.
- Länggasse: a residential neighborhood increasingly sought after by families and young couples. It offers a calm and serene environment while remaining close to central Bern. This area is particularly appreciated for the quality of its schools and green spaces, with many parks and open areas. Property prices remain relatively accessible compared to the city center.
- Wabern and Gümligen: located on the outskirts of Bern, these areas offer a peaceful living environment close to the city center, public transport, and main roads. Wabern and Gümligen are especially popular with those seeking a house with a garden. The quality of life is excellent, with a strong presence of sports facilities, leisure centers, and local services.
- Köniz: the largest peripheral municipality of Bern, offering a calm and green living environment, while being ideally located for easy access to the city center. The municipality is well served by public transport, with bus and tram lines connecting to central Bern in minutes. It features modern apartments and family houses with large gardens.
Each neighborhood has advantages depending on your lifestyle and budget. An in-depth study of each area will help you choose the one that best suits your needs.
The types of mortgages available in Bern
You have several options to finance your property in Bern, depending on your financial goals and borrower profile:
- Fixed-rate mortgage: your monthly payment remains constant throughout the loan term (5, 10, or 15 years). This is the ideal option for those who want to secure their budget and avoid any surprises during periods of economic uncertainty.
- Variable-rate mortgage: the interest rate follows the evolution of the Swiss money market (SARON). Although potentially more advantageous in the short term, this loan can increase if rates rise. It is suitable for borrowers with a certain risk tolerance.
- Mixed mortgage: a compromise between fixed and variable rates. It allows you to benefit from the security of a fixed rate while taking advantage of the more flexible option of a variable rate, for a more optimized overall financing.
- Construction mortgage: if you are building, this mortgage allows you to release funds progressively, according to the progress of the work. Some banks offer preferential rates for eco-friendly real estate projects.
Our financing experts guide you in choosing the mortgage that best suits your financial situation and future plans.
Requirements for obtaining a mortgage in Bern
Obtaining a mortgage in the canton of Bern requires meeting certain criteria. Banks will evaluate your application based on the following elements:
- Personal contribution: you must have at least 20% of the property’s price, with a portion in liquid assets (savings, life insurance, etc.).
- Debt ratio: monthly loan-related expenses must not exceed 33% of your income.
- Professional and financial stability: a stable job (permanent contract or self-employed) is often required to ensure your ability to repay the loan.
- Property quality: the location, general condition, and resale value of the property also influence the bank’s decision.
Our mortgage brokers assist you in preparing your file and finding the best offers.
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Estimate your monthly payments with our online simulator
Our mortgage simulator allows you to quickly calculate your monthly payments based on your personal contribution, the loan amount, term, and type of mortgage chosen. It provides an accurate estimate to better plan your property purchase in Bern.
Our tips for becoming a property owner in Bern
Successfully completing your property project in Bern requires careful preparation. Here are some tips to help you optimize your application:
- Evaluate your finances: take into account your income, monthly expenses, and savings capacity. Don’t forget to include your 2nd and 3rd pillar assets to build your personal contribution.
- Define your priorities: specify your essential criteria for your purchase: size, proximity to public transport, schools, etc.
- Compare loan offers: interest rates, duration, repayment terms… Compare different proposals to find the most advantageous option.
- Consult a mortgage broker: thanks to their local expertise, a broker can help you prepare a solid file and negotiate the best conditions.
- Anticipate additional costs: don’t overlook notary fees (around 3–5%), transfer taxes, and any renovation work that may increase your budget.
We support you at every step, from finding the property to signing with the notary. Thanks to our network of financial partners, you can move forward with confidence.
Start your property project in Bern now!
Submit your financing request online to receive tailor-made proposals. Our advisors are available to help you realize your property dream.
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