Mortgage in the canton of Vaud: make your property purchase a reality!
- Vaud: a canton with multiple real estate opportunities
- The types of mortgage loans available in the canton of Vaud
- The conditions for obtaining a mortgage loan in the canton of Vaud
- Use our mortgage calculator
- Our advice for becoming a homeowner in the canton of Vaud
- You are just one step away from making your property purchase in the canton of Vaud a reality!
- Find us throughout Switzerland
Do you have a real estate project in the canton of Vaud? Whether to settle down or simply invest, a mortgage is often the ideal solution to finance your property. Discover the options available to you to become a homeowner in this canton renowned for its dynamism and quality of life!
Vaud: a canton with multiple real estate opportunities
Vaud captivates with its natural surroundings and its economic activity. Between Lake Geneva and the mountains, this canton is ideally located and offers an unmatched quality of life. The cities of Lausanne and Nyon, along with other municipalities, are in constant development, attracting both families and young professionals.
The areas and particularly sought-after municipalities in the canton of Vaud include:
- Lausanne: with its renowned university, museums, and cultural events throughout the year, it offers an exceptional living environment for families and professionals alike. As the capital of the canton of Vaud, the city is a hub of innovation and technology, attracting both talent and international companies.
- Nyon: nestled on the shores of Lake Geneva, Nyon is a hidden gem known for its calm and green surroundings. This town benefits from close proximity to Geneva while offering a much more peaceful and less hectic lifestyle than the larger city. Families particularly appreciate Nyon for its quality schools, parks, and numerous sports and cultural activities.
- Morges: a charming small town, it offers a quiet living environment while being just minutes from Lausanne. Its historic center, with cobbled streets and old buildings, gives it a unique character. Its lakeside location is perfect for walks and water activities.
- Vevey and Montreux: located on the shores of Lake Geneva, Vevey and Montreux are highly sought-after towns for their relaxed atmosphere and exceptional living environment, including stunning views of the lake and the Alps. These two towns also attract visitors from all over the world for their beauty and numerous cultural events.
- Western Lausanne region: municipalities such as Lutry, Pully, and Paudex attract many young couples and real estate investors. Western Lausanne benefits from immediate proximity to the city center while offering a more peaceful living environment with green spaces, open views of the lake, and direct access to the mountains.
As you can see, each municipality has its own specificities and advantages. It is therefore important to carefully analyze your needs before investing.
The types of mortgage loans available in the canton of Vaud
Several types of mortgage loans can help you finance your project in the canton of Vaud
- Fixed-rate mortgage: your monthly payments remain constant throughout the contract period (5, 10, 15 years). Ideal for borrowers who want long-term financial security.
- Variable-rate mortgage: rates follow the SARON rate, allowing you to benefit from attractive short-term conditions. This type of loan can be risky if rates rise.
- Mixed mortgage: combines a fixed rate and a variable rate, offering partial security while allowing some flexibility.
- Construction mortgage: this solution is intended for new and eco-friendly construction projects, with progressive disbursements according to the progress of the work.
Our mortgage experts will help you choose the product best suited to your profile and financial goals.
Conditions for obtaining a mortgage in the canton of Vaud
Financial institutions analyze several criteria to grant a mortgage:
- Personal contribution: a contribution of at least 20% of the property price is required, with part in cash (savings, 3rd pillar, etc.)
- Debt ratio: the total monthly expenses must not exceed 33% of your gross income
- Financial stability: banks favor borrowers with stable employment (permanent contract or self-employed with regular activity)
- Property quality: location, condition of the property, and resale value will be taken into account
Thanks to our network of brokers, we assist you in preparing your file to obtain the best conditions for your mortgage.
Recevez gratuitement 3 propositions de prêt immobilier
Demande rapide et sans engagement
Use our mortgage calculator
Our online tool allows you to estimate your monthly payments based on the amount borrowed, your personal contribution, the type, and the duration of your loan. This quick estimate will help you better plan your real estate project.
Start your mortgage simulation now!
Our advice for becoming a homeowner in the canton of Vaud
Succeeding in your real estate project in the canton of Vaud requires preparation and organization. Here are some tips to optimize your chances.
- Assess your financial situation: review your income, expenses, and savings. Don’t forget to include available funds in your 2nd and 3rd pillars.
- Define your priorities: based on your budget, determine the size, number of rooms, and the most important location criteria for you.
- Compare mortgage offers: use online simulators to compare interest rates, contract durations, and early repayment options.
- Consult a mortgage broker: a local expert will guide you to build a solid file and negotiate advantageous terms.
- Plan for additional costs: do not neglect notary fees (around 3–5%), transfer taxes, or costs of any renovation work.
Take advantage of our expertise and partner network to bring your real estate project to life in the canton of Vaud. We accompany you from the first step to the final signature.
You are just one step away from making your property purchase in the canton of Vaud a reality!
Submit your online financing application and receive proposals tailored to your situation. Our advisors are here to assist you at every step of the process.
Find us throughout Switzerland
Zoomez et cliquez sur le canton désiré.
