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Mortgage Broker in Switzerland – English-Speaking Advice

Independent mortgage broker in Switzerland. We compare offers from more than 50 banks, insurance companies and pension funds and negotiate the terms of your mortgage – in English, from our offices in Zurich and Bottighofen.

Why expats work with a mortgage broker

  • Access to more lenders: Swiss lenders assess foreign residents differently. Banks, insurers and pension funds each have their own rules on residence permits, foreign income and equity.
  • Clear comparison: We show you the real differences between offers and explain all conditions in plain English.
  • Personal support: From the first assessment to signing the mortgage contract.

Swiss mortgage basics

  • Equity: For owner-occupied property, lenders usually require at least 20 % equity, of which at least 10 % must be «hard» equity (savings, gifts, securities – not pension fund assets).
  • Loan-to-value: Usually up to 80 % of the property value. The part above two thirds (second mortgage) is typically repaid within 15 years.
  • Affordability: Lenders calculate with an imputed interest rate of usually 5 %, plus maintenance costs and amortisation. These costs should not exceed about one third of your gross income.
  • Residence permit: With a C permit, you are generally treated like Swiss residents. With a B permit or as a cross-border commuter, requirements vary by lender – this is where comparing makes the biggest difference.

How it works

  1. Analysis: A clear assessment of your financing situation.
  2. Preparation: We prepare your documents the way lenders need them.
  3. Comparison: We obtain and compare offers from our partner network.
  4. Best rate: You choose – we support you until signing.

Buying property as a foreigner

Which permit allows you to buy what – and how lenders assess foreign residents: read our guide Buying property in Switzerland as a foreigner.

Get in touch

Request a free mortgage offer

Call us at +41 71 508 55 65, write to info@hypo-partner.ch or book an appointment. You can also use our affordability calculator.

General information, no individual legal, tax or pension advice. Conditions differ between lenders.