Knowledge
That Pays Off
In our , you’ll find in-depth information on mortgages. Being well-informed allows you to speak with your bank advisor as an equal and not only save time but often also many thousands of francs in mortgage interest.
Mortgage Information
The HYPOTHEKE.ch mortgage knowledge database offers independent expert articles, guides, and practical insights on mortgages, mortgage rates, real estate financing, and homeownership in Switzerland. It helps break down complex mortgage topics in an easy-to-understand way, make better financing decisions, and increase your chances of securing lower mortgage rates. Whether you’re buying a home, renewing a Mortgage, considering a SARON Mortgage, or a Fixed-rate mortgage—you’ll find in-depth information here to guide your financing decisions.
Mortgage loan models
Fixed-rate mortgage, SARON Mortgage, or Adjustable-rate mortgage
Fixed-rate mortgage
The most popular Mortgage loan model in Switzerland. Everything you need to know.
SARON Mortgage
Flexible interest rates with savings potential. What are the pros and cons of the SARON Mortgage?
SARON or fixed-rate mortgage?
A comparison quickly shows which Mortgage loan model is the best fit for you.
Adjustable-rate mortgage
Just Expensive? Or Does a Variable-Rate Mortgage Also Have Advantages?
SARON Fixed-Term Mortgage?
Take out a SARON mortgage and switch to a fixed-rate mortgage later. Is that a good idea?
Strategies
Key details to help you make a decision
Fixed-rate mortgage with an option to terminate
Break free from your contract! There are fixed-rate mortgages that you can pay off early.
Maximum Mortgage—What’s Possible?
In practice, there are clear rules—but at the same time, there is also some leeway.
Staggering mortgage payments—does it make sense?
Stepped-rate mortgages can easily turn into a risky obstacle course.
Close the deal at the right time
The timing of signing a Mortgage agreement should not be underestimated.
Direct or indirect amortization?
Often, direct amortization is the simpler solution. But it’s not always the better one.
Optimal Mortgage Amount
The amount of the Mortgage is one of the most important decisions in real estate financing.
Forward Mortgage
Lock in interest rates for the future today.
Mortgages and Retirement
Retirement brings about a fundamental change in one’s financial situation.
First and second mortgages
Die Begriffe 1. Hypothek und 2. Hypothek werden oft falsch verstanden.
Providers
Types of lenders, brokers, and platforms
Mortgage platforms
The digital path to the best Mortgage in Switzerland. Compare mortgages now.
Online Mortgage
Simple, affordable, and transparent Mortgages are now available online.
Mortgage through a pension fund
Mortgages from pension funds are lucrative—but harder to find.
Mortgage through an insurance company
Often a more affordable alternative—but not without its pitfalls.
Specialties
A closer look at different mortgage offers
Vacation Property Mortgage
The rules for mortgages on vacation properties in Switzerland are stricter.
Start Mortgage
Affordable Mortgage or clever marketing? First impressions can be deceiving.
Sustainable Mortgage
Eco-Mortgages and saving on interest. Do they go together?
CAP Mortgage
The interest rate cap is tempting—but is the extra cost really worth it?
SWAP mortgage
Complex interest rate hedging for large loans? Or is it a good idea for everyone?
Tips
Polish the details and avoid major mistakes
Wait for the SNB’s interest rate decision
As an interest rate decision approaches, many mortgage borrowers get nervous.
Common Mortgage Myths
We’re talking about large sums of money—and often long-term commitments.
Improve Your Mortgage Rating
Only those who optimize their application will get the best Interest rate on their Mortgage.
Negotiating Effectively
If you don't negotiate, you'll pay too much. Prepare for the conversation.
Impartial mortgage advice
Many mortgage advisory firms are not independent. Many customers are unaware of this.