Overview

Mortgages in Zurich, in plain English.

A Swiss mortgage is typically split into a first mortgage (up to 66.67 percent of value) and a second mortgage (the balance up to the 80 percent LTV cap). Only the second mortgage must be amortised — within 15 years or by retirement, whichever is earlier.

The strategic choice is between a SARON tracker (variable, follows the Swiss money-market rate) and a fixed-rate loan of five to twenty-five years. We advise on the mix that fits your file.

Full English page in preparation. The detailed English version is being finalised. In the meantime, please contact us directly or read the German page.