Mortgage Advisory
Find the right mortgage with the best terms for your situation
What is professional mortgage advisory?
Mortgage advisory helps you find the optimal financing for your home. It's not just about the lowest interest rate, but about a strategy that fits your life situation, your goals and your risk appetite.
In Switzerland there are various mortgage models: fixed-rate mortgages, SARON mortgages and variable-rate mortgages. Each model has pros and cons. We help you make the right choice and negotiate the best terms with various providers.
Your benefits at a glance
Market overview
Access to terms from over 100 providers
Independent advice
No ties to individual banks
Interest savings
On average 0.2-0.5% better terms
Protection
Risks are analysed and covered
Paperwork handled
We take care of the documentation
Time savings
You save weeks of research and negotiation
In-depth knowledge
Fixed-rate mortgage: predictable security
A fixed-rate mortgage gives you a fixed interest rate over a set term (typically 2-15 years). You know exactly what you'll pay each month.
Advantages: Planning certainty, protection against rising rates, constant costs.
Disadvantages: Higher initial rates than SARON, no benefit if rates fall, prepayment penalty for early termination.
Recommended for: Families with a stable income, risk-averse people, when interest rates are historically low.
SARON mortgage: flexibility & potential
The SARON mortgage (Swiss Average Rate Overnight) is based on the Swiss reference interest rate. The rate is adjusted periodically (daily, monthly or quarterly).
Advantages: Historically lower interest costs, flexibility for special repayments, no prepayment penalty.
Disadvantages: Fluctuating monthly payments, risk if rates rise, requires financial reserves.
Recommended for: People with financial reserves, when rates are expected to fall, short-term financing.
Tranching: the best of both worlds
With tranching, the mortgage is split into several parts financed differently. Example: 50% fixed-rate mortgage, 50% SARON.
Advantages: Risk diversification, partial rate security, flexibility on one tranche.
Disadvantages: More complex administration, all tranches must stay with the same provider at refinancing.
Important: The optimal split depends on your risk capacity, interest rate outlook and life situation.
Provider comparison: banks, insurers & pension funds
It's not only banks that offer mortgages. Insurers and pension funds often have attractive terms, especially for certain groups of customers.
Banks: Broad range, fast processes, additional services.
Insurers: Often cheaper rates, combinable with insurance products.
Pension funds: Very attractive terms for their own insured members, longer processing times.
We compare all providers and find the best solution for you.
Avoid common mistakes
These are the mistakes we see most often in practice
Only looking at the interest rate
Ancillary costs, flexibility and service get ignored.
Not getting comparative offers
You may pay thousands of francs too much.
Too long a term when rates are low
You lock yourself into higher rates for longer than necessary.
Calculating affordability too tightly
Things get tight if rates rise or income changes.
Checklist: your next steps
What you can do right now
Frequently asked questions about Mortgage Advisory
Answers to the most important questions
Personal consultation
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Find the perfect mortgage
We compare over 100 providers and negotiate the best terms for you.
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