Property & Tax Optimisation
Structuring your home ownership for optimal tax efficiency
Property and taxes: a complex interplay
Home ownership has significant tax implications – both positive and negative. The imputed rental value increases your taxable income, while mortgage interest and maintenance costs reduce it.
The right strategy can make a difference of thousands of francs each year: from mortgage structure to amortisation and renovation planning.
Your benefits at a glance
Optimal mortgage structure
The right mix of fixed-rate mortgage, SARON and terms
Indirect amortisation
Double tax savings via pillar 3a instead of direct repayment
Making the most of maintenance costs
Flat-rate or actual costs – choosing the better option every year
Checking your imputed rental value
Is your imputed rental value too high? We check and object where needed
Renovation planning
Spreading work over time for maximum tax savings
Home Ownership Promotion (WEF) strategy
Coordinating an early pension withdrawal optimally with your tax planning
In-depth knowledge
The imputed rental value
The imputed rental value is based on the market value of a comparable rental property (typically 60-70%). For many properties it is set too high.
It's worth critically reviewing your imputed rental value. A reassessment can be requested.
Mortgage interest and mortgage strategy
Mortgage interest is tax-deductible – one reason why many Swiss homeowners don't fully amortise their mortgage.
The 'right' mortgage amount depends on interest rate levels, your marginal tax rate and your risk tolerance.
Indirect amortisation
Instead of repaying your mortgage directly, you pay into pillar 3a. Double benefit: full mortgage interest deduction plus the pillar 3a deduction.
At a marginal tax rate of 35%, the annual tax saving can amount to around CHF 3'000.
Energy-efficient renovations
Energy-efficient renovations are tax-deductible and can be spread over up to 3 years.
CHF 80'000 for facade insulation spread over 3 years instead of one: CHF 5'000 more in savings.
Avoid common mistakes
These are the mistakes we see most often in practice
Amortising directly without checking alternatives
Indirect amortisation via pillar 3a is often more advantageous.
Never questioning the imputed rental value
It's often set too high – a review is worthwhile.
Not planning renovations
Strategic timing saves on taxes.
Early WEF withdrawal without a repayment plan
No further pension fund buy-ins possible without repayment.
Frequently asked questions about Property & Tax Optimisation
Answers to the most important questions
Personal consultation
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Structure your property tax-efficiently
From imputed rental value to renovations – we know all the deduction opportunities.
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