Switzerland mortgage broker
Obtaining a mortgage is a crucial step in your acquisition project. That's why we rely on the expertise of our brokerage partner, the leader in the field in Switzerland, to offer you the best financing solutions.
Our mortgage brokerage service
In collaboration with our trusted partner, we accompany you throughout the process of obtaining your mortgage. Our service includes:
- Analysis of your financial situation and specific needs
- Search for the best loan offers from major Swiss financial institutions
- Negotiation of the most advantageous loan conditions
- Support in administrative and legal procedures
Types of mortgage loans in Switzerland
The Swiss market offers several types of mortgage loans to meet the diverse needs of borrowers. Here's an overview of the main loans available:
Fixed-rate mortgage
In this type of mortgage loan, the borrower and the financial institution agree on the loan amount and the interest rate that will remain fixed for the entire duration of the contract, usually between 1 and 15 years. Some providers offer durations of over 20 years. With us, fixed rates can be negotiated for up to 25 years, sometimes even without prepayment penalties. Once the contract is signed, market fluctuations no longer affect the interest rate, making this model popular when rates are low.
Variable-rate mortgage
Here, the interest rate varies according to market fluctuations, with no fixed contract duration. The variable-rate mortgage offers great flexibility: it can be terminated without penalty with a relatively short notice period of three or six months. The disadvantages of this model include higher risk than other forms and lack of transparency as lenders can change their rates without justification.
SARON mortgage
In this model, formerly known as LIBOR, the interest rate is determined based on an interest rate calculated usually for periods of one, two, three, six, or twelve months. SARON mortgages are concluded as fixed-rate mortgages for a specified duration, often from two to six years. Unlike fixed-rate mortgages, they have a variable interest rate, but this does not follow SARON day by day: it is fixed at regular intervals agreed between the client and the lender (for example, every three or six months).
The choice of mortgage type depends on the evolution of interest rates and the risk profile of borrowers. Each option has its advantages and disadvantages, and only a thorough analysis of the project and the borrower's profile can help make a decision. Specialized advice and consideration of all available solutions on the market can help you choose optimally.
Why choose Relocator for your mortgage?
By using our mortgage brokerage service, you benefit from:
- Recognizable expertise: Our partners are market leaders in Switzerland, bringing in-depth knowledge of the best available offers.
- Personalized solutions: We analyze your specific needs to offer you the most suitable financing solutions.
- Comprehensive support: We guide you through every step, from the initial consultation to the completion of your mortgage.
- Favorable conditions: Thanks to our negotiation power, we ensure you optimal loan conditions.
Contact us for all your mortgage needs in Switzerland using our mortgage application form.