All our advice on mortgage loans in Switzerland
Our most viewed guides
Mortgage loan simulation – mortgage calculator
Mortgage Calculator: simulate your mortgage in Switzerland with our free tool, detailing the data to be provided and the information received.
Fixed rate mortgage
Fixed rate mortgage: security or constraint? We explain the advantages, disadvantages, and strategies to optimize your property financing.
SARON Mortgage: One of the 3 mortgages you should know about?
Find out if a SARON mortgage is right for you: pros, cons, and expert tips to optimise your property financing with a variable rate mortgage
Combined mortgage (split rate): what is it?
Looking to buy a property? Discover the combined rate, fixed rate and and variable rate mortgage (SARON) and all the details of this loan.
Becoming a homeowner in Switzerland
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.
Mortgage rates and real estate news
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.
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.
What is the Swiss National Bank and what is it for?
Swiss National Bank: understand the SNB mandate, policy rate, inflation role, Swiss franc liquidity, and effects on SARON and mortgage rates in Switzerland.
Imputed Rental Value in Switzerland: Calculation and Tax
How does imputed rental value work in Switzerland? Definition, cantonal calculation methods and tax implications for owner-occupiers.
Types of mortgage loans
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.
Second home mortgage: prepare and successfully secure your financing
Second home mortgage in Switzerland: compare your second home financing, optimise your down payment and receive truly independent expert advice.
Mortgage renewal in Switzerland: mistakes to avoid
Mortgage renewal in Switzerland: plan ahead for your maturity date, compare offers, and optimise your costs.
Mortgage duration: how long does a Swiss mortgage last?
Mortgage duration: Number of years, its impact on risk, flexibility and total cost of your mortgage.
Mortgages by region of Switzerland
Canton of Schaffhausen: Find Your Best Mortgage Rate
Real estate Schaffhausen: find a better mortgage with an independent advisor: compare lenders and finance your property on the best possible terms.
Canton of Zug: Secure Your Mortgage on Best Terms Fast
In the Canton of Zug, find a solid mortgage with an independent advisor: compare lenders and finance your property on the best possible market terms today.
Canton of Schwyz: Mortgage Financing on Best Terms
Find your mortgage loan in the Canton of Schwyz with an independent mortgage advisor: compare offers and secure the best market conditions for your property.
Canton of Nidwalden: Mortgage on the Best Market Terms
Find your mortgage loan in the Canton of Nidwalden with an independent mortgage advisor: compare banks and secure the best market conditions for your property.
Rental investment
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.
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.
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.
All our guides and articles
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 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.
Canton of Schaffhausen: Find Your Best Mortgage Rate
Real estate Schaffhausen: find a better mortgage with an independent advisor: compare lenders and finance your property on the best possible terms.
Canton of Zug: Secure Your Mortgage on Best Terms Fast
In the Canton of Zug, find a solid mortgage with an independent advisor: compare lenders and finance your property on the best possible market terms today.
Canton of Schwyz: Mortgage Financing on Best Terms
Find your mortgage loan in the Canton of Schwyz with an independent mortgage advisor: compare offers and secure the best market conditions for your property.
Canton of Nidwalden: Mortgage on the Best Market Terms
Find your mortgage loan in the Canton of Nidwalden with an independent mortgage advisor: compare banks and secure the best market conditions for your property.
Obwalden: Find the best mortgage for your property
Find your mortgage loan in the Canton of Obwalden on the best terms, with a mortgage advisor who prepares your file and helps get it accepted quickly.
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