Mortgage financing
Structure your financing and compare options with your overall situation in mind.
Request adviceThe interest rate is only part of the equation.
We examine financial capacity, equity, amortisation, the structure of the mortgage and possible links with pension assets to give you an overall view of the financing.
Estimate of the theoretical costs and the level of financing you can sustain.
Comparison of possible structures and preparation of the financing file.
Review of the options for using or pledging pension assets depending on your situation.
Coordination with insurance, taxation, pension planning and wealth objectives.
For a first analysis, prepare
- purchase price and additional costs
- available equity (including 2nd and 3rd pillars)
- household income
- existing financial commitments
- medium-term projects (children, retirement)
How we work
- CapacityNotional costs and required equity.
- StructureMortgage, amortisation, maturities.
- FilePreparation of the application for banks.
- Follow-upRenewal and optimisation.
Your questions, our answers.
How much equity is needed?
In principle at least 20% of the price, with a minimum share not coming from pension assets (2nd pillar). Exact rules vary by institution.
What is the notional rate?
Banks assess affordability with a notional rate higher than the real rate, to check resilience to rising rates. The simulator below gives an indicative estimate.
Test the feasibility of your property project.
Indicative estimate based on the usual affordability criteria in Switzerland. Lending policies vary by institution and situation.
Your project
Indicative calculation only. The bank may apply other theoretical rates, amortisation rules, equity requirements and creditworthiness criteria. A full analysis of the file is still required.
Calculate your monthly payment and the total cost of your loan.
Annuity or straight-line repayment: see the interest and principal share year after year.
Your loan
Yearly repayment schedule
| Year | Principal | Interest | Remaining |
|---|
Indicative fixed-rate simulation, excluding fees and insurance. Actual terms depend on the lender and your situation.
Good financing must remain comfortable over time.
Let’s make a first analysis of your project and the parameters to compare.