Becoming a homeowner, with peace of mind.
Buying a home is the biggest financial decision of a lifetime. We structure your financing, negotiate the rates and stay with you until the keys are in your hand.
Becoming an owner, with the right financing.
Before you visit, we check what you can really afford. Then we build your file, present it to several banks, insurers and pension funds, and negotiate the rate and structure on your behalf.
- Free feasibility study
- Several lenders compared
- Support until the notary
The three figures that decide your project.
Before looking for the property, let us check the framework of equity, affordability and mortgage structure. Twenty minutes is enough to know where you stand.
Equity
At least 20% of the purchase price, half of it outside the pension fund. Your 3a savings and occupational pension can top it up, as long as your retirement stays protected.
Affordability
Theoretical costs (imputed interest rate, amortisation, maintenance) must not exceed one third of your gross income.
Amortisation
The debt must come down to two thirds of the property value within 15 years. Choosing direct or indirect amortisation via pillar 3 has a strong tax impact.
What property can you finance?
A first estimate of your purchasing power, based on Swiss financing rules.
Based on a minimum 20% equity and costs capped at one third of income (theoretical rate 5%, maintenance 1%, amortisation over 15 years of the part above two thirds of the price).
Refine with an advisorIs your mortgage coming up for renewal?
This is when everything is back on the table. Do not renew by default with the same institution. Six to twelve months before maturity, we put your file back in competition and negotiate your new rate.
Compare my renewal
The services in this area
Everything that matters, gathered here. Expand a service to learn more.
Your bank will make you an offer. Several banks, insurers and pension funds would make you a better one, because every institution has its own criteria and appetites of the moment. We build a solid file, present it to the right players and negotiate rate, structure and conditions in your name.
Negotiate my rate