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
How to choose the right mortgage in Switzerland?
Find the best mortgage and choose the right type of home loan (fixed-rate, variable-rate, or mixed mortgage) based on interest rate fluctuations, mortgage term, budget, and future life events.
How much can I borrow to buy my home in Switzerland?
Calculate your borrowing capacity in Switzerland: a simple method, worked examples, a chart, and tips to see how much you can borrow for a mortgage.
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.
Second pillar (BVG/LPP) withdrawal for a property purchase: how much, when, tax cost?
Can you withdraw your second pillar (BVG/LPP) for a property purchase in Switzerland? Learn how much you can take, whether it makes sense, and the tax consequences.
Mortgage rates and real estate news
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?
Find out what the Swiss National Bank (SNB) does: mandate, price stability, inflation, the Swiss franc, liquidity, and effects on SARON and mortgages. Understand the SNB policy rate.
Imputed rental value in Switzerland: definition, calculation and tax impact
How does imputed rental value work in Switzerland? Definition, cantonal calculation methods and tax implications for owner-occupiers.
Condominium in Switzerland: what it is and how to buy an apartment.
How to buy and manage a condominium (PPE) in Switzerland: building co-ownership, service charges, renovation fund and advice to optimise your mortgage financing.
Types of mortgage loans
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: what is the duration of a mortgage loan in Switzerland?
Mortgage duration: Number of years, its impact on risk, flexibility and total cost of your mortgage.
Property transfer tax in Valais: key features and calculations
Learn how the property transfer tax is calculated in Valais, which rates apply, what costs to expect, and what to check before signing.
Direct and indirect amortization: what’s the difference?
Which type of amortization should you choose? Learn the difference between direct and indirect amortization with our practical guide.
Mortgages by region of Switzerland
Mortgage in Lausanne: Get the best financing
Looking to buy property in Lausanne? Discover our tailored mortgage solutions and advice on financing your purchase.
Mortgage in Nyon: make your property project a reality
Planning to buy a property in Nyon? Discover your financing options and benefit from expert advice for your purchase.
Mortgage in Bern: Finance your property
Do you want to buy a property in Bern? Discover our tips and mortgage solutions tailored to your needs and budget.
Buying an apartment in Lausanne: all the tips
Tips for buying an apartment in Lausanne: neighborhoods, budget, prices, financing, steps, profitability, and advice to make your property purchase a success.
Rental investment
Removal of rental value in Switzerland
Eliminating rental value: What it means for your budget, deductions, and mortgage strategy. Tips, mistakes to avoid, and FAQs.
Direct and indirect amortization: what’s the difference?
Which type of amortization should you choose? Learn the difference between direct and indirect amortization with our practical guide.
The 10 key things to know about rental yield calculation
Rental yield in Switzerland: yield vs. cash flow, cost impact, taxes, vacancies, location, leverage effect, strategies, and FAQs.
Swiss Real Estate: Property Investment Strategies
Swiss investment strategy: low interest rates, fixed vs. variable, rental optimization, tax deductions, renovation, expertise, and diversification.
All our guides and articles
Mortgage renewal in Switzerland: mistakes to avoid
Mortgage renewal in Switzerland: plan ahead for your maturity date, compare offers, and optimise your costs.
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.
Imputed rental value in Switzerland: definition, calculation and tax impact
How does imputed rental value work in Switzerland? Definition, cantonal calculation methods and tax implications for owner-occupiers.
Mortgage loans in Switzerland: understanding mortgage financing
Financial capacity, home loans and mortgages: discover how to finance your home in Switzerland
Property transfer tax in Valais: key features and calculations
Learn how the property transfer tax is calculated in Valais, which rates apply, what costs to expect, and what to check before signing.
Condominium in Switzerland: what it is and how to buy an apartment.
How to buy and manage a condominium (PPE) in Switzerland: building co-ownership, service charges, renovation fund and advice to optimise your mortgage financing.
Mortgage in Lausanne: Get the best financing
Looking to buy property in Lausanne? Discover our tailored mortgage solutions and advice on financing your purchase.
Mortgage in Nyon: make your property project a reality
Planning to buy a property in Nyon? Discover your financing options and benefit from expert advice for your purchase.
Swiss mortgage rate forecast 2026: should you buy now?
Swiss mortgage rate forecast 2026: expected rate changes, effects on rents and financing, CHF scenarios and steps to move forward calmly in 2025
Removal of rental value in Switzerland
Eliminating rental value: What it means for your budget, deductions, and mortgage strategy. Tips, mistakes to avoid, and FAQs.
Buying a house: what budget?
Learn how to plan your budget to buy a property with a mortgage—down payment, income, expenses, interest, amortization, and more.
Mortgage in Bern: Finance your property
Do you want to buy a property in Bern? Discover our tips and mortgage solutions tailored to your needs and budget.
Decline in Mortgage Rates in Q3 2024 in Switzerland
Decline in mortgage rates in Q3 2024: trends, influencing factors, comparisons, 2024-2025 estimates, and SNB predictions.
Buying a House Without a Loan: How to Do It?
Buying a house without a loan? It’s possible! Discover funding sources, savings strategies, alternative financing options, and negotiation techniques.
Buying a property: the 8 best tips to succeed – complete step-by-step process
8 Tips for a Successful First Property Purchase in Switzerland: market, loan, pre-approval, financial stability, and experts to consult.
Buying an apartment in Lausanne: all the tips
Tips for buying an apartment in Lausanne: neighborhoods, budget, prices, financing, steps, profitability, and advice to make your property purchase a success.
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