SARON Mortgage (margin)
from 1.99%
Mortgages and Extensions
Fixed Mortgage – 10 years
from 1.85%
Fixed Mortgage – 5 years
from 1.73%
These interest rates apply assume an excellent credit score. The interest rates are updated regularly (current status Q2 2024). They do not constitute a binding financing offer.
Mortgage Comparison
The Swiss Property Owners Association handles all enquiries and negotiations with financial institutions for you. We look for the best mortgage solution for you with, with the best available terms.
Would you like to extend your existing mortgage?
- You save yourself the time-consuming and costly comparison with individual enquiries.
- Thanks to our long-standing partnerships and our market power, you gain access to all important financing partners (banks, insurance companies, pension funds, platforms).
- We know the mortgage market and negotiate at eye level thanks to our market knowledge. As a result, we usually achieve faster and better results than the majority of private clients.
- The Grundeigentümer Verband Schweiz also solves complex cases. With our broad expertise, we can accompany you in virtually all real estate issues, unlike your house bank or classic mortgage platforms. Digitally or from person to person.
The Swiss Property Owners Association supports you by offering you attractive conditions. As a mortgage broker, the Swiss Property Owners Association handles all inquiries and negotiations with financial institutions for you. We look for the most suitable solution with the most attractive conditions for you.
Free and confidential
Financing certificate for buyers
Are you looking for real estate in Switzerland? With the financing certificate from the Swiss Property Owners Association, you gain a competitive advantage over other buyers.
This is your first acquisition and are in need of a mortgage?
- Improved credit score
High credit score = lower interest rate. - Increase the scope of potential properties to buy
Get more properties for your revenue and capital. - Optimize the strategy in terms of product and duration
Fixed mortgage or SARON? Ideal duration? - Fine print that works for you
For example: early repayment penalty or offset waiver - Owner protection against risks
Ensure that your partner and family are sustainably covered when you become a recipient of old age benefits (such as health care and assisted living). Reduction of the total interest burden
The Swiss Property Owners Association has access to all mortgage products available in Switzerland.
The Swiss Property Owners Association supports you by offering you attractive conditions. As a mortgage broker, the Swiss Property Owners Association handles all inquiries and negotiations with financial institutions for you. We look for the most suitable solution with the most attractive conditions for you.
Free and confidential
Your contact
Sven Ortega-Bieri
Head of Financing / Member of the Executive Board
Phone
+41 58 310 10 10
Free of charge, confidential and without obligation
FAQ
Whereas in the past, the customer’s bank was the main provider of financing, today customers often get several offers and let the competition play its part. However, if a customer asks the banks independently, the process is very time-consuming. In each case, you have to submit all the documents and often meet in person. As a result, customers often only ask one or two banks for a comparison or even forgo them altogether. This is negligent and quickly costs the customer several thousand francs.
Mortgage brokerage offers an alternative. The customer submits his documents once to the broker. The broker then handles the inquiries and negotiations with the financial institutions (banks, insurance companies, pension funds, platforms) on behalf of the customer. In contrast to the customer, the mortgage broker has numerous established contacts, knows the market situation and is familiar with processes. In the end, the customer decides whether and which offer to accept.
Mortgage Brokerage creates a win-win-win situation.
Client/Member: You save a lot of time and benefit from the most attractive conditions. As negotiation professionals, we take over the time-consuming and sometimes unpleasant negotiations with the banks for you.
Financial institution/bank: Due to the professional, structured inquiry of the mortgage broker, the bank saves a lot of effort and unnecessary consulting hours. Thanks to the established relationship between broker and bank, the bank can place a significantly higher mortgage volume. Therefore, the cooperation also pays off for the bank.
Mortgage Broker / Swiss Property Owners Association: We have numerous partner contracts with a wide variety of financial institutions / banks. Our expenses are directly paid for by the financial institution on the basis of the brokered mortgage volume.
Due to our size and nationwide activity, we can normally offer our clients/members financing advice free of charge. Inquiries and initial consultations are always free of charge. If you conclude your new mortgage or extension with the proposed financial institution, you will not incur any costs. If we cannot offer you a more attractive offer than you already have, the entire financing consultation remains free of charge for you. We are convinced of our service quality and therefore always bear our own risk.
Compared to purely digital mortgage broker platforms, we offer personal support and comprehensive advice. With purely digital platforms, it often only becomes apparent in a second step that a property can only be financed at significantly worse conditions or, in the worst case, not at all. Most financing confirmations from digital platforms are non-binding. This requires a further check by the financing bank that can lead to unpleasant surprises. In addition, the personal contact options of digital platforms are often limited to a call center. The Swiss Property Owners Association is convinced that only a fraction of the mortgage business can be fully digitized in the coming years. We therefore rely on the symbiosis of the analog and digital worlds and use the respective strengths from both worlds. Our competence, flexibility and the possibility for personal contact offer a well-rounded service to our members, ensure a high level of satisfaction and strong growth in demand. Give us a try – our initial consultations are completely free of charge and without obligation.
We offer a number of exclusive member benefits. Membership is free and withdrawal is possible at any time. You can conveniently register online as a member of the Swiss Property Owners Association, at any time.
The SARON mortgage is the successor of the LIBOR mortgage, since the Libor reference rate (London Interbank Offered Rate) has been discontinued as of the end of 2021. The SARON (Swiss Average Rate Overnight) is calculated and published by the SNB and SIX based on actual transactions executed. As a result, the Saron is much more transparent than the Libor and can be tracked at any time.