Become a mortgage lender
More deals, less effort
Are you a or another Do you offer attractive mortgages and seek high-quality customer relationships? If you’d like to rely on a transparent, digital, and highly efficient , then we should get to know each other.
Banks are the largest providers of mortgages in Switzerland. They can finance all types of real estate and often offer good interest rates. However, it’s important to know that with banks, you have to negotiate the Mortgage to truly find the best Mortgage.
Insurance companies are among the leading providers of Fixed-rate mortgages in Switzerland. They often offer very attractive mortgage rates on Fixed-rate mortgages and long-term financing solutions for primary residences and investment properties. Insurance companies should be included in every mortgage comparison.
Pension funds are increasingly financing real estate and often offer very attractive mortgage rates. Especially for low Loan-to-value ratios and good Affordability, they are frequently among the most affordable Mortgage providers in Switzerland. Anyone looking for the most affordable Mortgage should definitely also compare Pension fund Mortgages.
A mortgage lender provides capital for a Mortgage. In Switzerland, these are primarily banks, insurance companies, Pension funds, and investment foundations, whose offers can vary significantly in terms of interest rates, terms, and eligibility criteria. HYPOTHEKE.ch works with all major Swiss mortgage lenders.
A mortgage distribution channel describes the path through which mortgages are brokered or arranged. This includes, among others, banks, insurance companies, mortgage brokers, comparison platforms, and digital online marketplaces for mortgages. Many providers use digital mortgage distribution channels as a complementary tool to actively manage their mortgage portfolios. HYPOTHEKE.ch is particularly well-suited for this purpose because parameters can be set with extreme precision and the processes are fully digital and efficient.
No wasted reach
Mortgages ready to close
Our platform provides you with fully —no wasted reach. Our ensures intelligent pre-selection; the loan applications are structured and verified, and each inquiry is submitted to only one Mortgage lender at a time. Customers also commit in advance to closing the deal. The result: that are ready for approval.
The result
Very high closing rate with minimal effort on your part. You invest your time only where it pays off—at the closing.
At HYPOTHEKE.ch, “Mortgage applications ready for approval” means that our customers have actively chosen you as their Mortgage lender, know the terms under which they will take out the Mortgage, and have made a binding commitment to proceed. At HYPOTHEKE.ch, Mortgage applications ready for approval are always submitted to only one Mortgage lender. This significantly increases efficiency, reduces frustration, and ensures customer satisfaction.
At HYPOTHEKE.ch, “single inquiries” mean, on the one hand, that a Mortgage application submitted to a Mortgage lender has been thoroughly reviewed and is 100% aligned with the lender’s criteria. On the other hand, it means that the application is submitted to only one lender, and the customer makes a binding commitment to close the deal with that lender even before the application is submitted. The result: Virtually no wasted reach and perfectly matched customers for our partners.
We don’t just broker Mortgages—we build genuine customer relationships—with a conversion rate that speaks for itself.
Niklaus Gempp
Head of Partner Support
Your Choice
You decide which clients you receive
With our system, you—as a mortgage lender—can precisely define your target customers.
Features include, among others
- Loan-to-value ratio
- Affordability
- Property Type
- Region
- Terms and Products
You can define over 300 criteria and receive only those inquiries that precisely match your strategy. The level of precision with which you can configure and price your ideal Mortgages is unmatched in the Swiss market.
The die is cast
Customers make their decision even before being redirected to our partners
A key advantage of our is that customers can view personalized, provider-anonymized interest rates, specific terms, and transparent ways to compare Mortgages.
Anyone who submits an inquiry to you through our platform has already consciously chosen you as their Mortgage lender. The decision regarding which provider is the right one is made in advance. We do not request quotes from you. The quoting process takes place directly on the platform and is fully automated.
This reduces the effort involved in preparing quotes and prevents price negotiations and inefficient processes.
An online mortgage platform allows you to calculate mortgage rates digitally, compare mortgages, and, depending on the provider, apply for one directly. The advantages include transparency, a wide selection of providers, and the ability to quickly compare mortgage rates. This transparency also helps ensure low interest rates. Would you like to get the best interest rates on your Mortgage? Use our tool:
Frequently Asked Questions
About Us
HYPOTHEKE.ch is a digital platform for which with pre-qualified customers who are ready to close a deal. Mortgage lenders can use our platform to precisely configure which customers and Mortgages they want to offer, and under what terms.
Hypotheke.ch is:
- data-driven
- automated
- transparent
Not a traditional but a platform with a clear pre-selection process.
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.
A mortgage broker, also known as a mortgage agent, helps you in Switzerland find the right Mortgage and compare offers from various banks, insurance companies, and Pension funds. HYPOTHEKE.ch is one of the largest independent mortgage brokers in Switzerland and has agreements with all major Swiss providers. More information about HYPOTHEKE.ch: About Us
We are contractually obligated to mortgage lenders to submit inquiries to only one mortgage lender This means: You only get paid if a deal is closed.
The conversion rate (from inquiry to closing) averages 90%. The closing rate is above average because:
- Customers are already informed and commit to closing the deal
- Applications are pre-qualified
- only exactly matching inquiries are forwarded
At HYPOTHEKE.ch, “single inquiries” mean, on the one hand, that a Mortgage application submitted to a Mortgage lender has been thoroughly reviewed and is 100% aligned with the lender’s criteria. On the other hand, it means that the application is submitted to only one lender, and the customer makes a binding commitment to close the deal with that lender even before the application is submitted. The result: Virtually no wasted reach and perfectly matched customers for our partners.
Yes, completely.
You take an active role
- Target Audience
- Risk Profile
- Product Strategy
- Pricing
You can configure more than 300 parameters in real time to attract exactly the customers you're looking for.
Our record: 48 hours after the mortgage lender first contacted us, they were online. The entire process is digital—you decide how quickly you want it to go.
We don’t charge any onboarding fees. You can try us out completely risk-free. We’re confident that this will lead to more.
No. You remain completely flexible and independent.
Through our platform, smaller providers gain access to new customers and increased visibility—without needing their own sales network. They benefit from the same terms as large providers and receive market information that isn’t available anywhere else.
No. HYPOTHEKE.ch is intended to complement your sales efforts. For most Mortgage lenders, HYPOTHEKE.ch serves as an additional sales channel. A few use HYPOTHEKE.ch exclusively. Your terms and conditions are not displayed online alongside your logo (i.e., they are displayed anonymously).
Very transparent. You can see exactly:
- which customers make inquiries / do not make inquiries
- which terms are displayed
- why customers chose another offer instead of yours
- what business volume you missed out on
- how your offers are performing
Our analyses are calculated in real time and can be accessed by you at any time in the login area.
Don't just take our word for it
Our partners' experiences
As an investor, we have been able to continuously expand our partnership with HYPOTHEKE.ch over the past few years. We are impressed by the platform’s efficiency and the high conversion rate of inquiries into closed deals. The partnership is straightforward and, thanks to the high level of digitalization, extremely efficient.
—Heinz Schafroth, Head of Financing Ecosystems, Berner Kantonalbank
We value the reliability and professionalism of HYPOTHEKE.ch. The excellent support and seamless collaboration round out the positive overall experience. The platform solution is user-friendly, and with its support, we’re able to increase our Mortgage closing rate.
—Michael Kessler, Senior Loan Specialist, Bank Thalwil
Target audience
Suitable for all mortgage lenders
Whether it’s a bank, insurance company, Pension fund, or investment foundation—HYPOTHEKE.ch offers every mortgage lender exactly the benefits they need.
Smaller providers in particular benefit: They can reach new customers without having to build their own sales network or incur high marketing costs. Onboarding is straightforward—integration takes just a few hours, and after that, everything runs automatically.
Technology-driven
Not a traditional brokerage
HYPOTHEKE.ch is not a traditional mortgage broker. Our approach is data-driven, automated, and scalable—we see ourselves as a platform and technology partner. This means we do not compete with your existing sales channels, but rather complement them specifically where digital reach and efficiency are needed.
For mortgage lenders, this means: You receive pre-qualified customers with a high likelihood of closing a deal, while retaining full control over your target customers and benefiting from fair, transparent distribution—with minimal operational effort.
Conclusion
HYPOTHEKE.ch is the missing piece in your mortgage sales strategy and perfectly complements your existing business.