Guide: Property financing

The right financing for your property – free guide for download.

Before every property purchase comes financing – and with it the decisive questions: What can I afford? What conditions can I expect? Which mortgage models suit me? The topic also stays relevant after the purchase, for example with refinancing or follow-up financing. Our free guide gives you a concise overview of property financing in Switzerland – so you can make the right decision for your property in Zurich, Zug or anywhere in German-speaking Switzerland.

Why the right financing makes the difference

Property financing is the most important financial decision when buying a home. It determines monthly burden, flexibility and long-term affordability. Acting without well-founded knowledge risks unnecessarily high costs or unfavourable contract terms. Well-planned financing, on the other hand, gives you security and financial flexibility.

What you’ll find in the guide

Equity and affordability

Switzerland has clear requirements for equity (usually at least 20% of the purchase price) and affordability. The guide explains the rules and shows you how to realistically assess your starting position.

Mortgage models compared

Fixed-rate mortgage, variable mortgage or Saron: which model suits your life situation and which risks you should be aware of.

Creditworthiness and loan-to-value ratio

Both factors directly influence the conditions of your mortgage. We show you what banks pay attention to and how you can improve your position.

Planning follow-up financing strategically

Those who plan ahead often secure better conditions. The guide shows when the right time is to negotiate or switch banks.

Personal use or rental?

Whether you live in the property yourself or rent it out has a significant impact on the financing structure and tax treatment. Different affordability rules apply to investment properties, and rental income factors into the calculation. The guide shows the particularities you should consider in each case.

Who is this guide for?

The guide is designed for anyone looking to finance a property in Zurich, Zug or anywhere in German-speaking Switzerland – whether first-time buyers, experienced owners needing follow-up financing or investors in rental properties. Even if you only want to check affordability before getting serious, the guide helps you gain a realistic assessment.

Looking for personal advice?

Every financing situation is unique. If you’d like a well-founded assessment of your options, get in touch.

Our experts will get back to you within 24 hours.