Swiss Property Mortgages

Discover the latest Swiss mortgage rates and how much you can borrow here.

Further Questions

Is Swiss property a good investment? What are the advantages of buying a Swiss ski property? When is the best time to buy Swiss property? What's the impact of climate change on the Swiss property market?

What are the different types of property in Switzerland? What does first home and second home mean in Switzerland? Can I live in a second home full-time? Are Swiss apartments and chalets "freehold"? New build vs resale: Which is better for Swiss property investment?

Can a foreigner buy property in Switzerland? What restrictions are there for foreign property buyers in Switzerland? Are there restrictions on reselling a property in Switzerland? Can I change a first home into a second home in Switzerland? Can a foreigner buy a property in Switzerland in the name of a company? What's the difference between B and C permits for property purchase? How do canton restrictions differ across Swiss regions? How long can I stay in Switzerland for if I buy a property? Can I Become a Resident in Switzerland?

How much can I borrow from a Swiss bank? What are the interest rates on Swiss Mortgages? How long are Swiss mortgages? Can I get a Swiss mortgage as a non-resident?

What is the purchase process when buying a property in Switzerland? What are the purchase costs when buying a property in Switzerland? How do I find a Swiss Notary? What is the process of buying an off-plan Swiss property? What building guarantees are there for new properties in Switzerland? How long does it take to buy property in Switzerland?

Can I purchase a property in the name of a company in Switzerland?

How much local property tax do I need to pay in Switzerland? How Much tax should I pay on rental income in Switzerland? Can I reclaim the VAT on a new build property? How much is capital gains tax in Switzerland? How does inheritance work on properties in Switzerland? How do I minimize tax on my Swiss property investment? What are the tax differences between cantons? What are the ongoing costs of owning Swiss property?

Are there any rental obligations for Swiss ski property? How much personal use can I have of my Swiss ski property? What is the advantage of buying a property which has a rental obligation? How easy is it to rent my Swiss property? How do I maximise rental income from my Swiss property?

Which Swiss ski resorts have the best year-round activities? Which Swiss ski resorts have the most reliable snow? Which Swiss ski resorts have the strongest rental demand? Which Swiss ski resorts are closest to Geneva airport? Which Swiss ski resort is best for families? What is the largest ski area in Switzerland?

How much can I borrow from a Swiss bank?

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.

What are the interest rates on Swiss Mortgages?

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.

How long are Swiss mortgages?

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

Can I get a Swiss mortgage as a non-resident?

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.