Swiss mortgages for foreign buyers

You can usually secure up to 70% of the property purchase price from a Swiss bank (or up to 50% for properties over CHF 2.5 million). If other securities are used, such as cash deposited into the bank’s investment portfolio, you may be able to lend up to 100%, although this can be discussed in more detail when making the application.

Since the financial crisis, interest rates in Switzerland have been some of the lowest in the Western world as Switzerland became a ‘safe-haven’ for international investors. However, interest rate levels often fluctuate, so it is always advisable to contact Alpine Property Finders in the first instance to check the latest rates.

Mortgages in Switzerland usually last for 25 years, although longer-term deals may be available depending on the lender and your financial circumstances.

Non-residents can obtain a Swiss mortgage, but the options are more limited and come with stricter requirements. Most banks offer financing of up to 60-70% of the property's value. They typically require strong proof of income and assets and restrict lending to properties that comply with Lex Koller regulations in designated tourist areas.