Become a mortgage lender
More deals, less effort
Are you a or another Do you offer attractive mortgages and seek high-quality customer relationships? If you’d like to rely on a transparent, digital, and highly efficient , then we should get to know each other.
Banken sind die grössten Anbieter von Hypotheken in der Schweiz. Sie können alle Arten von Immobilien finanzieren und haben oftmals auch gute Zinsen. Wichtig zu wissen ist aber, dass man bei Banken die Hypothek verhandeln muss, um wirklich die beste Hypothek zu finden.
Versicherungen gehören zu den wichtigsten Anbietern von Festhypotheken in der Schweiz. Sie bieten häufig sehr attraktive Hypothekarzinsen bei Festhypotheken, bzw. bei langfristigen Finanzierungslösungen für Eigenheime und Renditeliegenschaften an. Versicherungsgesellschaften sollten bei keinem Hypothekenvergleich fehlen.
Pensionskassen finanzieren zunehmend Immobilien und bieten oft sehr attraktive Hypothekarzinsen an. Besonders bei tiefer Belehnung und guter Tragbarkeit gehören sie häufig zu den günstigsten Hypothekenanbietern der Schweiz. Wer die günstigste Hypothek finden will, sollte unbedingt auch Pensionskassen-Hypotheken vergleichen.
Ein Hypothekargeber stellt Kapital für eine Hypothek zur Verfügung. In der Schweiz sind dies vor allem Banken, Versicherungen, Pensionskassen und Anlagestiftungen, deren Angebote sich bei Zinssatz, Laufzeit und Vergabekriterien deutlich unterscheiden können. HYPOTHEKE.ch arbeitet mit allen wichtigen Schweizer Hypothekargebern zusammen.
A mortgage distribution channel describes the path through which mortgages are brokered or arranged. This includes, among others, banks, insurance companies, mortgage brokers, comparison platforms, and digital online marketplaces for mortgages. Many providers use digital mortgage distribution channels as a complementary tool to actively manage their mortgage portfolios. HYPOTHEKE.ch is particularly well-suited for this purpose because parameters can be set with extreme precision and the processes are fully digital and efficient.
No wasted reach
Mortgages ready to close
Our platform provides you with fully —no wasted reach. Our ensures intelligent pre-selection; the loan applications are structured and verified, and each inquiry is submitted to only one Mortgage lender at a time. Customers also commit in advance to closing the deal. The result: that are ready for approval.
The result
Very high closing rate with minimal effort on your part. You invest your time only where it pays off—at the closing.
At HYPOTHEKE.ch, “Mortgage applications ready for approval” means that our customers have actively chosen you as their Mortgage lender, know the terms under which they will take out the Mortgage, and have made a binding commitment to proceed. At HYPOTHEKE.ch, Mortgage applications ready for approval are always submitted to only one Mortgage lender. This significantly increases efficiency, reduces frustration, and ensures customer satisfaction.
At HYPOTHEKE.ch, “single inquiries” mean, on the one hand, that a Mortgage application submitted to a Mortgage lender has been thoroughly reviewed and is 100% aligned with the lender’s criteria. On the other hand, it means that the application is submitted to only one lender, and the customer makes a binding commitment to close the deal with that lender even before the application is submitted. The result: Virtually no wasted reach and perfectly matched customers for our partners.
We don’t just broker Mortgages—we build genuine customer relationships—with a conversion rate that speaks for itself.
Niklaus Gempp
Head of Partner Support
Your Choice
You decide which clients you receive
With our system, you—as a mortgage lender—can precisely define your target customers.
Features include, among others
- Loan-to-value ratio
- Affordability
- Property Type
- Region
- Terms and Products
You can define over 300 criteria and receive only those inquiries that precisely match your strategy. The level of precision with which you can configure and price your ideal Mortgages is unmatched in the Swiss market.
The die is cast
Customers make their decision even before being redirected to our partners
A key advantage of our is that customers can view personalized, provider-anonymized interest rates, specific terms, and transparent ways to compare Mortgages.
Anyone who submits an inquiry to you through our platform has already consciously chosen you as their Mortgage lender. The decision regarding which provider is the right one is made in advance. We do not request quotes from you. The quoting process takes place directly on the platform and is fully automated.
This reduces the effort involved in preparing quotes and prevents price negotiations and inefficient processes.
Eine Online-Plattform für Hypotheken ermöglicht es, Hypotheken digital zu berechnen, Hypotheken zu vergleichen und je nach Anbieter direkt abzuschliessen. Der Vorteil liegt in Transparenz, breiter Anbieterauswahl und schnellerer Vergleichbarkeit der Hypothekarzinsen. Die Transparenz sorgt zudem für tiefe Zinsen. Möchten Sie beste Zinsen bei Ihrer Hypothek? Nutzen Sie unser Tool: app.hypotheke.ch
Frequently Asked Questions
About Us
HYPOTHEKE.ch is a digital platform for which with pre-qualified customers who are ready to close a deal. Mortgage lenders can use our platform to precisely configure which customers and Mortgages they want to offer, and under what terms.
Hypotheke.ch is:
- data-driven
- automated
- transparent
Not a traditional but a platform with a clear pre-selection process.
Vermittlung von Hypotheken
Beim Vermitteln von Hypotheken werden Kreditnehmer mit passenden Hypothekargebern zusammengebracht. Moderne Online-Hypothekenvermittler vergleichen viele Anbieter digital und erhöhen so Transparenz, Auswahl und Vergleichbarkeit im Schweizer Hypothekenmarkt. HYPOTHEKE.ch ist die grösste online-Hypothekenplattform der Schweiz.
Ein Kreditgeber stellt dem Kreditnehmer Kapital zur Verfügung und erhält dafür Zinsen. Bei Hypotheken sind Kreditgeber in der Schweiz meist Banken, Versicherungen oder Pensionskassen, die die Finanzierung vertraglich und durch ein Grundpfand absichern.
Ein Hypothekenvermittler, auch Hypothekenmakler genannt, unterstützt Sie in der Schweiz dabei, die passende Hypothek zu finden und Angebote verschiedener Banken, Versicherungen und Pensionskassen zu vergleichen. HYPOTHEKE.ch ist einer der grössten unabhängigen Hypothekenvermittler in der Schweiz und hat Verträge mit allen wichtigen Schweizer Anbietern. Mehr Informationen zu HYPOTHEKE.ch: Über uns
We are contractually obligated to mortgage lenders to submit inquiries to only one mortgage lender This means: You only get paid if a deal is closed.
The conversion rate (from inquiry to closing) averages 90%. The closing rate is above average because:
- Customers are already informed and commit to closing the deal
- Applications are pre-qualified
- only exactly matching inquiries are forwarded
At HYPOTHEKE.ch, “single inquiries” mean, on the one hand, that a Mortgage application submitted to a Mortgage lender has been thoroughly reviewed and is 100% aligned with the lender’s criteria. On the other hand, it means that the application is submitted to only one lender, and the customer makes a binding commitment to close the deal with that lender even before the application is submitted. The result: Virtually no wasted reach and perfectly matched customers for our partners.
Yes, completely.
You take an active role
- Target Audience
- Risk Profile
- Product Strategy
- Pricing
You can configure more than 300 parameters in real time to attract exactly the customers you're looking for.
Our record: 48 hours after the mortgage lender first contacted us, they were online. The entire process is digital—you decide how quickly you want it to go.
We don’t charge any onboarding fees. You can try us out completely risk-free. We’re confident that this will lead to more.
No. You remain completely flexible and independent.
Through our platform, smaller providers gain access to new customers and increased visibility—without needing their own sales network. They benefit from the same terms as large providers and receive market information that isn’t available anywhere else.
No. HYPOTHEKE.ch is intended to complement your sales efforts. For most Mortgage lenders, HYPOTHEKE.ch serves as an additional sales channel. A few use HYPOTHEKE.ch exclusively. Your terms and conditions are not displayed online alongside your logo (i.e., they are displayed anonymously).
Very transparent. You can see exactly:
- which customers make inquiries / do not make inquiries
- which terms are displayed
- why customers chose another offer instead of yours
- what business volume you missed out on
- how your offers are performing
Our analyses are calculated in real time and can be accessed by you at any time in the login area.
Don't just take our word for it
Our partners' experiences
As an investor, we have been able to continuously expand our partnership with HYPOTHEKE.ch over the past few years. We are impressed by the platform’s efficiency and the high conversion rate of inquiries into closed deals. The partnership is straightforward and, thanks to the high level of digitalization, extremely efficient.
—Heinz Schafroth, Head of Financing Ecosystems, Berner Kantonalbank
We value the reliability and professionalism of HYPOTHEKE.ch. The excellent support and seamless collaboration round out the positive overall experience. The platform solution is user-friendly, and with its support, we’re able to increase our Mortgage closing rate.
—Michael Kessler, Senior Loan Specialist, Bank Thalwil
Target audience
Suitable for all mortgage lenders
Whether it’s a bank, insurance company, Pension fund, or investment foundation—HYPOTHEKE.ch offers every mortgage lender exactly the benefits they need.
Smaller providers in particular benefit: They can reach new customers without having to build their own sales network or incur high marketing costs. Onboarding is straightforward—integration takes just a few hours, and after that, everything runs automatically.
Technology-driven
Not a traditional brokerage
HYPOTHEKE.ch is not a traditional mortgage broker. Our approach is data-driven, automated, and scalable—we see ourselves as a platform and technology partner. This means we do not compete with your existing sales channels, but rather complement them specifically where digital reach and efficiency are needed.
For mortgage lenders, this means: You receive pre-qualified customers with a high likelihood of closing a deal, while retaining full control over your target customers and benefiting from fair, transparent distribution—with minimal operational effort.
Conclusion
HYPOTHEKE.ch is the missing piece in your mortgage sales strategy and perfectly complements your existing business.