Mortgages

In Switzerland, pension assets from the 2nd pillar (pension fund) and pillar 3a (tied pension provision) can be used to finance the purchase, renovation, or amortization of owner-occupied residential property. It is important to note that these funds may only be used for your primary residence, not for holiday homes or investment properties.

Choosing the right mortgage provider is essential to secure the best terms for your financing. We present various providers and explain the key factors to consider when making your choice, so you can select a provider that aligns with your financial goals and personal circumstances.

There are various types of mortgages, each with its own advantages and disadvantages. We introduce you to the most common ones, such as fixed-rate mortgages, variable-rate mortgages, and SARON mortgages, and help you choose the option that best suits your specific needs.

If your financial needs change and you require more capital, increasing your mortgage can be an option. We explain how a mortgage increase works, the requirements that must be met, and the options available to help you secure the necessary funds for renovations, investments, or other projects.

Repaying your mortgage is an important step toward full ownership of your home. We explain how you can pay off your mortgage efficiently and according to plan, helping you minimize interest costs and become debt-free more quickly.

Renewing your mortgage can make sense if you want to benefit from better interest rates or if your financial situation allows for faster repayment. We explain how you can renew your mortgage early and outline the advantages and disadvantages of doing so.

If your mortgage is about to expire, you can extend it to continue benefiting from the agreed terms. We explain how a mortgage extension works and which factors should be considered in order to secure the best possible conditions.