Mortgage Calculator

The amount of your mortgage corresponds to the purchase price of the property minus your own funds. In Switzerland, you must finance at least 20 % of the purchase price with your own funds for a principal residence (40 % for a second home). The remainder can be financed by a mortgage.

Example: for a CHF 800,000 property with CHF 200,000 in equity, the mortgage amount would be CHF 600,000.
To ensure the viability of financing, monthly charges (interest + amortization + maintenance costs) must not exceed 33 % of your gross annual income.

Mortgage rates vary according to the type of product chosen (fixed, SARON, variable), the term, the borrower's profile and the financial institution. In Switzerland, short-term fixed rates are generally lower than long-term rates. To get the best rate, it's essential to compare offers from several banks and insurance companies.

Invexa works with all Swiss financial institutions and negotiates the best market conditions for you, at no extra cost.

The 10-year fixed rate is one of the most popular mortgage products in Switzerland because it offers long-term stability and predictability. Its level depends on policy rates, market expectations, and the policy of each institution. The mortgage rates for 10 years are generally higher than 2- or 5-year rates, but they protect against future interest-rate increases.

Invexa compares offers from all Swiss banks, pension funds and insurance companies to find you the best 10-year rate for your situation.

SARON (Swiss Average Rate Overnight) is the Swiss money market reference rate, which replaced LIBOR in 2022. A SARON mortgage is a variable-rate mortgage indexed to this interbank rate, recalculated periodically (usually every 3 months).

Over 10 years, the SARON rate can fluctuate significantly, depending on the monetary policy of the Swiss National Bank (SNB). Historically, SARON mortgages have often cost less than fixed rates over the long term, but they do carry a risk of rising. This product is suitable for borrowers able to absorb variations in monthly payments.

For a primary residence in Switzerland, you must contribute at least 20% of the purchase price in equity. At least half of this equity (i.e., 10% of the purchase price) must come from sources outside occupational pension funds: personal savings, current account funds, securities, an advance on inheritance or a gift, pillar 3b.

For a second home or rental investment, the requirements are more stringent: you generally need 33 % of equity, entirely from free sources (without recourse to provident funds).

Unlike your bank, which only offers its own products, Invexa is an independent broker who analyzes and compares offers from all financial institutions active in Switzerland: banks, insurance companies and pension funds.

Our process is simple: you share your situation, we analyze your file, then we request and compare offers to present you with the most suitable solution in terms of rates, flexibility and terms and conditions. Our assistance is free of charge for you.

Amortization is the gradual repayment of your mortgage. In Switzerland, only the portion of the mortgage exceeding 67 % of the property's value (known as the 2nd ranking mortgage) must be amortized, within 15 years or before retirement.

There are two forms of amortization: direct amortization (regular repayment of capital) and indirect amortization via Pillar 3a, which is more tax-efficient in many cantons.

Yes, under certain conditions. In Switzerland, it is possible to withdraw or pledge all or part of your savings from the pension fund (2nd pillar) or your pillar 3a to finance the purchase of a primary residence. This early withdrawal can cover up to 10% of the property’s value.

Caution: using your 2nd pillar reduces future retirement benefits and may result in a one-off tax charge. It is advisable to analyze this option carefully with an expert before proceeding.