We are a completely independent firm using a wide range of providers to offer you the best possible conditions.
We are not tied to any exclusive contract.
The first notice will be given to you at the end of the first meeting.
Upon receipt of all the elements of your file, a more formal agreement from one of our providers will be given within a week.
We will come back to you within 24 hours to arrange a first appointment in the week.
Depending on your preferences: at your home, at your workplace or at our office.
It is also possible to conduct the meeting via platforms such as Skype/Zoom.
Although we suggest a face-to-face meeting to define your expectations, it is possible to process a mortgage application 100% electronically via our online application tool.
The aim is to simplify the procedures for you, so the usual process is as follows:
1. First meeting to define your needs
2. Contact by phone and email during the provider selection phase
3. Final meeting with the provider at their premises and with any other counterparties (notary, etc.)
This process is flexible and we will adapt to your expectations.
Currently we cover the cantons of Geneva and Vaud (offices in Geneva and Lausanne).
The property to be financed must be located in Switzerland (there is no area coverage limit on the national territory; the property can be located in Verbier or Zurich, for example).
The cost/income ratio is used to analyse your ability to borrow the amount of money needed to purchase the property of your dreams.
This ratio compares your annual income to the future theoretical mortgage costs (calculated on the basis of an interest rate of 5%).
The ratio should normally not exceed 34% of your gross annual income.
Except in special cases, 20%, of which at least 10% must be your own funds, so-called “hard funds” (excluding pension fund).
To this are added the notary fees, approximately 5% of the purchase price.
Your total investment will therefore be a minimum of 25% of the purchase price.
The contribution of additional collateral may, in some cases, replace the provision of your own equity
We will use all our expertise to work on trying to find a solution.
Yes, it is possible to substitute a part of your own funds by pledging your pension fund / 2nd pillar.
Contact us for more information.
Yes, you have the opportunity to either withdraw or pledge your 3rd pillar (bank or insurance) as personal equity for the acquisition of your property.
Subsequently, pledging your 3rd pillar can serve as an indirect amortisation.
Our experts can give you more information, contact us!
These documents are required by our partner institutions so that they can validate your borrowing capacity definitively and establish a formal mortgage offer.
A complete file will allow us to give you an answer as quickly as possible.