When Simon decided to become a homeowner at 34, he quickly realised that the decision extended far beyond mortgage rates. Pension planning, insurance optimisation and tax considerations were all interconnected - and previous advisory experiences had left him cautious. What he was looking for was not just financing, but clarity, structure and trust.
Short narrative paragraph (3–5 lines max):
Simon wanted to become a homeowner but felt overwhelmed by the complexity of financing, pension implications and tax considerations. Previous advisory experiences had left him cautious.
Bullet style or short structured paragraph:
Simon gained clarity and confidence. His property purchase was secured within a structured financial framework, aligned with his pension and tax planning.
Simon gained clarity and confidence. His property purchase was secured within a structured financial framework, aligned with his pension and tax planning.
The Swiss real estate market remains structurally stable and continues to represent a significant long-term asset class. However, property decisions extend far beyond purchase price and mortgage rates. Financing structure, pension implications, tax impact and long-term affordability must be carefully aligned.
In an environment of evolving interest rates and regulatory requirements, successful property ownership requires structured planning and independent evaluation – not isolated decisions.
For clients facing important financial commitments such as property purchases, refinancing or entrepreneurial transitions.
When Adrian Derungs was looking to secure financing, his house bank had not yet presented a viable offer. Rather than accepting limited options, he turned to smzh for an independent assessment and structured approach. Through external offer comparisons and a clear analytical process, smzh helped activate competitive proposals – including from his own bank. In his Client Perspective, Adrian speaks about the value of independent advice, efficient execution and having a solution-oriented partner at his side.
For more than four years, Michelle Konrad has entrusted smzh with the coordination of her financial matters across multiple phases of her life. What began as an initial advisory conversation developed into a long-term partnership built on structure, transparency and trust. From mortgage negotiations and portfolio restructuring to pension planning and major personal decisions, Michelle values having a reliable partner who sees the full picture. In her Client Perspective, she speaks about the importance of continuity, independent guidance and the reassurance of knowing that her financial matters are handled with care.