Mortgage in Lausanne: Finance your property
Looking to invest in real estate in Lausanne? Discover our mortgage solutions and personalised advice to finance the purchase of a property in this dynamic city at the heart of the canton of Vaud.
Where to invest in Lausanne?
Capital of the Lake Geneva region, Lausanne is a cosmopolitan city that blends modernity with tradition, boasting breathtaking views of Lake Geneva. It is also renowned for its thriving cultural scene and natural surroundings. The Lausanne property market is constantly evolving, with higher prices than in other Swiss regions, yet offering strong long-term returns.
Popular areas and neighbourhoods in Lausanne:
- Lausanne city centre: A vibrant district with lively shopping streets and architecture that combines historic buildings with modern constructions. Life here is rich in cultural events, and you benefit from proximity to political and administrative institutions. Property prices are higher, but the investment remains attractive thanks to the city’s appeal.
- Chailly: A residential area popular with families, located west of the city centre. It offers many amenities and a calm atmosphere while being close to public transport. Chailly is a favourite for those seeking a peaceful living environment while staying well connected.
- Lausanne-Montchoisi: Ideally situated between the city centre and more peripheral zones, Montchoisi is a green and quiet residential neighbourhood. It attracts couples and families, with many parks and high-quality schools. Prices are more accessible while still offering a pleasant quality of life.
- Prilly: A suburb of Lausanne, Prilly offers an ideal setting for those looking for a house with a garden while remaining close to the centre. Well served by public transport, this area is especially appreciated for its calm and accessibility.
Each of these neighbourhoods has advantages depending on your preferences and budget. A thorough analysis of each area will help you find the one that meets your expectations.
Types of mortgages available in Lausanne
To finance your property in Lausanne, several options are available depending on your needs and profile:
- Fixed-rate mortgage : for those who prefer a stable, predictable monthly payment over the loan term (5, 10 or 15 years). This helps secure your budget against economic fluctuations.
- Variable-rate mortgage : the interest rate is linked to the Swiss financial market (for example, SARON). This option can be more advantageous in the short term but carries a risk if rates rise. It suits borrowers with a certain level of financial flexibility.
- Mixed mortgage : combines the stability of a fixed rate with the flexibility of a variable rate, offering a more balanced solution suitable for long-term projects.
- Construction mortgage : for building projects, this mortgage allows funds to be released progressively as the work advances. Some banks offer preferential rates for environmentally friendly projects.
Our financing experts will support you in choosing the mortgage best suited to your needs and ambitions.
The conditions for obtaining a mortgage in Lausanne
To obtain a mortgage in Lausanne, banks pay attention to several key criteria:
- Down payment: you must have at least 20% of the purchase price, part of which must come from liquid assets (savings, life insurance, etc.).
- Debt-to-income ratio: your monthly loan payment must not exceed 33% of your income.
- Professional and financial stability: a stable job (permanent contract or self-employed) is often required to ensure repayment capacity.
- Property quality: the bank also evaluates the location, condition of the property, and its resale potential if needed.
Feel free to contact our mortgage brokers to optimise your application and find the best available offers.
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Estimate your monthly payments with our online simulator
Our mortgage simulator lets you quickly calculate your monthly payments based on your down payment, the loan amount, the term, and the type of mortgage selected. A real boost to plan your budget and organise your property project in Lausanne.
Our tips for becoming a homeowner in Lausanne
Here are some tips to help you succeed with your property project in Lausanne:
- Assess your finances: take into account your income, monthly expenses, and ability to save. Don’t forget to include your 2nd and 3rd pillar assets to build your down payment.
- Define your priorities: determine the key criteria for your purchase, such as floor area, proximity to public transport, or schools.
- Compare loan offers: don’t hesitate to compare different proposals (interest rates, term, repayment terms) to find the one that suits you best.
- Work with a mortgage broker: a local broker can help you build a strong file and negotiate the best terms.
- Plan for additional costs: don’t overlook notary fees, transfer taxes, and any renovation work.
We support you at every stage of your project, from finding the property to signing at the notary’s.
Make your property project in Lausanne a reality today!
Submit your financing request on our website and receive proposals tailored to your situation. Our advisers are at your disposal to help you carry out your property investment in Lausanne.
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