The right financing
changes everything.
A few tenths of a point over twenty years is tens of thousands of francs. We compare lenders and negotiate for you, in full independence.
Your financing, step by step
A clear, controlled journey where you keep control at every decision.
Know your capacity
Equity, income, costs: an honest diagnosis of what you can borrow, before you view.
Choose the right structure
Fixed rate, SARON, terms, amortization: the strategy that fits your profile, not the bank's.
Put the market in competition
Banks, insurers, pension funds: offers compared and negotiated for you.
Sign, then plan ahead
Support to the signing, then a watch on your maturities. A renewal is prepared, not endured.
Everything is covered
One mandate, and the whole of our expertise at your service.
Will your project clear the bank?
The exact calculation Swiss banks apply: equity, ranks, amortization and affordability. Adjust the figures and see right away where you stand.
The three golden rules are met. Next step: put lenders in competition to get the best rate.
- ✓Equity ≥ 20% (30.0%)
- ✓Hard equity ≥ 10% (30.0%)
- ✓2nd pillar ≤ 10% (0.0%)
- ✓Theoretical costs ≤ 33% of income (31.5%)
Indicative estimate based on standard prudential rules, with no value as an offer. Each bank applies its own scales: our personalized audit refines these figures for your real situation.
The three golden rules of Swiss banks.
To approve a mortgage in Switzerland, your file must clear three precise thresholds. Here they are.
Minimum equity
You must contribute at least 20% of the purchase price. At least half (10%) must be hard equity, meaning outside the 2nd pillar.
- Savings, 3rd pillar, gifts
- 2nd pillar: 10% max
Mandatory amortization
The portion of the mortgage between 66.67% and 80% of the price (the 2nd rank) must be repaid within 15 years, or before age 65, whichever comes first.
- Direct or indirect (3rd pillar)
- 1st rank not amortizable
Cost / income ratio
Theoretical financial costs (calculated with a 5% interest rate for affordability) must not exceed a third of the household's gross annual income.
- Theoretical interest 5%
- + amortization + 1% upkeep
They trusted us
« 0.3 point better than my own bank's offer. Over twenty years, the math is quick. And zero stress, they negotiated everything. »
« First purchase, not an easy file. They structured the financing, optimized the amortization, and found the bank that said yes. Decisive. »
« Mortgage renewal a year early. The result: far better terms than what my bank offered at the counter. »
Good to know
It's the prudential standard applied by all Swiss banks. Even if actual rates are currently much lower, your affordability is assessed at 5% to anticipate a possible rise. Your real costs will be lower, but loan approval depends on this theoretical calculation.
It's the equity that does not include the 2nd pillar (LPP): personal savings, 3rd pillar, inheritance, gift, sale of a previous property. You must contribute at least 10% of the price in hard equity. It's a FINMA rule since 2012.
Instead of repaying the bank directly, you pay your amortization into a pledged 3rd pillar A. The benefit: annual tax deductions and a growing capital. At term (or at 65), the capital clears the 2nd rank. Very often more advantageous than direct amortization.
Several levers: increase equity (reduces the mortgage), target a cheaper property, add a co-borrower's income, or negotiate with an alternative lender (savings banks, regional banks) that may apply more flexible rules under conditions.
It's the banks' calculation rule for affordability, not necessarily your real spending. In practice, upkeep on a modern apartment is often lower (0.5 to 0.8%). For an older property or a house, count 1 to 1.5%. This 1% remains a sound long-term provision.
No. It gives you a reliable first indication based on standard rules. But every bank has its own scales, and a strong file is also built on the borrowers' profile, the type of property and the location. Our banking partners can negotiate tailored terms: that's the purpose of our personalized audit.
Get your financing audit.
Send us the broad lines of your project: we review your file, compare lenders and come back to you with concrete terms. Free and with no obligation.
- Free file review
- Banks, insurers and pension funds compared
- Independent: we defend only your interests
The right rate is negotiated, not endured.
Free review of your file: we compare banks, insurers and pension funds, then we negotiate for you.