Mortgage in the canton of Thurgau: finance your property purchase quickly
Are you considering buying a property in the canton of Thurgau? This green canton on the shores of Lake Constance is one of the most attractive property destinations in eastern Switzerland. Here is the key information you need to prepare your financing.
Thurgau between orchards and the shores of Lake Constance
Located in north-eastern Switzerland, the canton of Thurgau (Thurgau) is known for its green landscapes, its fruit orchards and its 35 kilometres of shoreline on Lake Constance (Bodensee). It has around 295,000 inhabitants, and its capital is Frauenfeld.
Places worth noting include:
- Frauenfeld, the cantonal capital, an administrative and commercial town of around 26,000 inhabitants
- Kreuzlingen, a border town with Constance (Germany), dynamic and well connected
- Arbon, Romanshorn and Constance — lakeside towns valued for their quality of life on Lake Constance
- Gottlieben Castle and the banks of the Thur — remarkable natural and historical heritage
- Proximity to St. Gallen, Zurich (around 60 minutes by train) and Germany
Thurgau is a German-speaking canton. Standard German and the local Thurgau dialect are the languages of everyday life. Its economy is based on agriculture (fruit and vegetables), industry, and many commuters who work in Zurich or St. Gallen.
Why invest in Thurgau real estate
Thurgau is attracting a growing number of property buyers thanks to several distinctive advantages:
- Property prices that remain reasonable : between CHF 600,000 and CHF 950,000 for a detached house, depending on the municipality and proximity to the lake
- An exceptional living environment : lake, nature, peace and abundant green spaces
- Moderate taxation, attractive for families and retirees
- Strong appeal for Zurich commuters looking for more living space for a similar budget
- A dynamic rental market, especially in lakeside areas and close to railway stations
Which financing options for a property in Thurgau?
Loan solutions available in the canton of Thurgau:
- Fixed-rate mortgage : protection against rate rises over 2 to 15 years, with predictable monthly payments. Particularly recommended for first-time buyers
- Variable-rate mortgage (SARON) : variable rate indexed to the Swiss money market, worth considering for borrowers with financial flexibility
- Combined mortgage : two complementary tranches to optimise the risk/cost balance
- Second-home mortgage : Lake Constance also attracts second-home buyers — specific rules may apply depending on the municipality
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Simulate your loan for a property in Thurgau
For a property priced at CHF 750,000 in Thurgau, you need at least CHF 150,000 in equity. The total theoretical mortgage cost (calculated using a notional 5% rate, amortisation and maintenance costs) must not exceed one third of your gross annual income.
Consider trying our mortgage calculator to get a good first estimate of your mortgage and determine your monthly payments
Maximise your chances of getting a loan in the canton of Thurgau
Tips for preparing your application:
- Assess your total budget precisely by including the purchase costs : transfer taxes (which vary by municipality), notary fees
- Compare offers from Thurgau Kantonalbank (TKB), national banks and insurers
- If you commute to Zurich or St. Gallen, state it clearly in your application — it strengthens the assessment of your affordability
- Use an independent mortgage broker to optimise your financing approval
Take the next step for your property purchase in Thurgau
Thurgau offers remarkable quality of life, prices that remain accessible, and an ideal geographical position between the lake and the major cities of eastern Switzerland. A market worth seizing before demand pressure pushes prices even higher.
Submit your request to receive financing proposals specifically tailored to your property project.
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Disclaimer: The information in this article is provided for informational purposes only. Lending conditions vary depending on the institution and the borrower profile. No rate is guaranteed. Consult a specialist adviser before making any commitment.
