Cashback at HYPOTHEKE.ch
How to benefit twice
With us, you not only get top interest rates—but in many cases, you also receive We actively share our success with you.
In a nutshell
How does the cashback work?
Our model is simple and fair: For , we charge a platform fee, while at the same time partnering with many a .
The key advantage
If the commission is higher than our fee—which is often the case—you’ll receive the difference as cashback. If it’s lower, the difference is clearly shown. The calculation is done automatically, and you can see the comparison at any time before choosing a Mortgage.
Mortgage Brokerage
Mortgage brokerage matches borrowers with suitable mortgage lenders. Modern online mortgage brokers digitally compare many providers, thereby increasing transparency, choice, and comparability in the Swiss mortgage market. HYPOTHEKE.ch is Switzerland’s largest online mortgage platform.
A mortgage lender provides the borrower with capital and receives interest in return. In the case of mortgages in Switzerland, mortgage lenders are usually banks, insurance companies or Pension funds, which secure the financing through a contract and a mortgage lien.
Payout
Simple and transparent
If cashback is applicable, it will be displayed directly in our and transferred by us directly to your Swiss bank account once the Mortgage is finalized or disbursed.
Fast, transparent, and with no hidden terms.
Real-time mortgage interest rate comparison
A real-time interest rate comparison shows you the mortgage rates currently available from various mortgage lenders based on your personal situation. Unlike general benchmark rates, this comparison takes into account factors such as Loan-to-value ratio, Affordability, property type, and region. This provides you with significantly more meaningful results and lets you see immediately which lender currently offers the best terms. A real-time interest rate comparison provides transparency, saves time, and helps you find the best Mortgage at the best Interest rate. At HYPOTHEKE.ch, you can enter your personal situation and then immediately see all possible Mortgages with interest rates ready for closing.
Unique
Our Cashback Model
Many earn different amounts—depending on which provider the Mortgage is brokered to. This leads to a
Not with us. We always earn the same amount, regardless of which provider you choose; we pass on commissions transparently and always recommend the best offer—not the one that’s most lucrative for us.
That creates true You’ll feel that too when we advise you.
Mortgage Brokerage
Mortgage brokerage matches borrowers with suitable mortgage lenders. Modern online mortgage brokers digitally compare many providers, thereby increasing transparency, choice, and comparability in the Swiss mortgage market. HYPOTHEKE.ch is Switzerland’s largest online mortgage platform.
Conflicts of interest arise when a mortgage broker or advisor stands to gain financially if a customer chooses a specific mortgage lender. For example, if the broker receives varying commission rates from different banks, insurance companies, or Pension funds, this can influence the objectivity of the recommendation. It is therefore important for customers to understand how a broker is compensated. With our cashback model, we strive to minimize conflicts of interest as much as possible. Learn more here: Cashback Model at HYPOTHEKE.ch
Independent mortgage advice is characterized by the absence—as much as possible—of conflicts of interest between the advisor and the client. This is difficult at banks because internal guidelines must be followed, and the bank automatically profits when you, as a client, pay “too much interest.” A conflict of interest is therefore always present, particularly in one of the most critical areas—the interest rate. HYPOTHEKE.ch is setting new standards in independent advice. For example, we guarantee our clients that we always earn exactly the same amount, regardless of which Mortgage lender a client chooses for their Mortgage. This is a first in the Swiss Mortgage industry. Learn more here: Independent Mortgage Advice
Your Benefits
More Money and Better Decisions
Cashback offers you two benefits at once: a direct financial benefit in the form of cash back, which lowers your effective costs—as well as with no hidden incentives, full transparency, and true comparability.
This is how we make our promise a reality: the best Mortgage for you.
Independent mortgage advice is characterized by the absence—as much as possible—of conflicts of interest between the advisor and the client. This is difficult at banks because internal guidelines must be followed, and the bank automatically profits when you, as a client, pay “too much interest.” A conflict of interest is therefore always present, particularly in one of the most critical areas—the interest rate. HYPOTHEKE.ch is setting new standards in independent advice. For example, we guarantee our clients that we always earn exactly the same amount, regardless of which Mortgage lender a client chooses for their Mortgage. This is a first in the Swiss Mortgage industry. Learn more here: Independent Mortgage Advice
With our cashback program, we minimize conflicts of interest and let you share in our success. Digitalization makes this possible—take advantage of it!
Niklaus Gempp
Head of Partner Management
Win-Win
Fair to customers and mortgage lenders
Our model is fair for everyone: Customers benefit from transparency and cashback, mortgage lenders compete on quality and interest rates rather than commission amounts—and we remain 100% independent.
A win-win situation for everyone involved.
The Best Mortgage for You
It’s this easy only with us
The quote is free and non-binding