Impartial Mortgage Advice
For investment properties, primary residences, and large-scale projects
The the or financing a major real estate project is one of the most important financial decisions you’ll ever make. This makes it all the more important to seek which isn’t tied to the sale of a specific product.
Buying a home is one of the most important financial decisions you’ll ever make. In addition to the purchase price, financing, choosing the right Mortgage, long-term Affordability, and tax and legal considerations all play a key role. If you plan early and compare different Mortgage providers, you can often save several thousand francs. Online mortgages or mortgage platforms are particularly well-suited for this purpose.
Mortgage Extension
A mortgage extension occurs when an existing mortgage expires and a new one is taken out. Switching mortgage providers or comparing mortgage rates online can be particularly helpful during extension to secure lower mortgage rates.
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
Independent mortgage advice
instead of selling products
We offer independent and transparent mortgage advice. We do not sell our own and are not owned by a bank or an insurance company. Our goal is to develop the optimal financing strategy for every situation—regardless of which mortgage lender ultimately applies the financing.
Mortgage
A Mortgage is a loan for the purchase or construction of real estate in Switzerland, with the property serving as collateral. Mortgages can be arranged directly with a mortgage provider or through mortgage platforms. HYPOTHEKE.ch is the largest online mortgage platform. The main types of mortgages in Switzerland are as follows: Fixed-rate mortgage,SARON mortgage
That’s why we’re customer-focused
Independent and transparent
Many consultations in the mortgage industry are directly or indirectly linked to the sale of financial products. This gives rise to
At HYPOTHEKE.ch, the focus is on consultation. Once the consultation is complete, you are free to decide whether you want to proceed with financing and, if so, through which provider. If you wish, we can assist you with the with your primary bank or apply to the entire bidding and comparison process, professionally securing
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
Negotiating Mortgage Interest Rates
Most mortgage interest rates are negotiable. How much room you have to negotiate depends on your creditworthiness, the Loan-to-value ratio, your ability to afford the mortgage, and, above all, the alternatives you can present to the mortgage lender. If you obtain several comparable offers from banks, insurance companies, or Pension funds, you’ll significantly improve your negotiating position. Do you want to secure the best Mortgage without tedious negotiations? Use our Mortgage platform to do so. App.mortgage.ch
Mortgage with the Best Interest Rate
The Mortgage with the best interest rate isn’t always the first offer you see, but rather the one with a low interest rate, suitable terms, and transparent fees. A comprehensive comparison of mortgage providers’ interest rates increases your chances of saving money. For a personalized calculation of offers, you can use mortgage marketplaces such as HYPOTHEKE.ch.
More than just private properties
We finance all types of real estate
Extensive network
Extensive experience
Especially when it comes to complex projects, our clients benefit from our network and our experience in structuring sophisticated financing solutions. We are often able to bring mortgage lenders together or develop solutions that go far beyond traditional bank financing.
Good financing involves much more than just a low interest rate.
Among other things, we analyze:
- Financing Structure
- Mortgage Amount
- Equity Strategy
- Term strategy
- Affordability and liquidity planning
- Tax Optimization
- Retirement Planning
- Succession and Inheritance Issues
Depending on the complexity of the case, we bring in specialized trustees, attorneys, or real estate professionals. Our goal is to develop a financing solution that not only works today but will also continue to suit your situation in five, ten, or twenty years.
Good financing doesn’t happen by chance. It comes from market knowledge, a clear strategy, and access to a strong network
Florian Schubiger
Founder and CEO
Frequently Asked Questions
Answers to Questions About Our Consulting Services
At a bank, you primarily receive advice on that bank’s products. HYPOTHEKE.ch provides independent advice and can arrange financing from banks, and other Mortgage lenders. Our goal is not to sell a specific product, but to find the best financing solution for your situation.
A mortgage from an investment foundation is a real estate financing arrangement provided by an investment foundation. Investment foundations invest pension fund assets in mortgages, among other things, and often offer attractive mortgage rates as well as long-term financing solutions. Because they typically do not have their own sales departments, mortgages from investment foundations can often only be arranged through mortgage platforms. HYPOTHEKE.ch collaborates with several investment foundations and even applies for sales exclusively for some of them.
We provide consulting services for single-family homes, Holiday condominiums, multi-family homes, investment properties, commercial real estate, real estate portfolios, as well as larger real estate projects and developments. Complex financing arrangements are also part of our daily business.
Yes. Buying a home is when the most important financing decisions are made. Independent advice helps you define the right , avoid mistakes, and save a lot of money in the long run.
A mortgage strategy determines the amount of the Mortgage and which mortgage loan models are best suited to your personal situation. The right strategy combines low interest rates, planning certainty, tax considerations, Amortization, and risk tolerance to create a financing plan that is affordable in the long term.
Yes. Upon request, we can assist you with or apply to all alternative mortgage lenders. A strong often leads to better mortgage rates and contract terms.
Negotiating Mortgage Interest Rates
Most mortgage interest rates are negotiable. How much room you have to negotiate depends on your creditworthiness, the Loan-to-value ratio, your ability to afford the mortgage, and, above all, the alternatives you can present to the mortgage lender. If you obtain several comparable offers from banks, insurance companies, or Pension funds, you’ll significantly improve your negotiating position. Do you want to secure the best Mortgage without tedious negotiations? Use our Mortgage platform to do so. App.mortgage.ch
Your negotiating position when taking out a mortgage describes how strong your starting position is vis-à-vis a mortgage lender. The better your creditworthiness—that is, your mortgage credit rating (Affordability, Loan-to-value ratio, etc.)—the greater your room for negotiation usually is. However, having comparable alternatives is particularly important. If you can present several binding offers from banks, insurance companies, or Pension funds, you increase competitive pressure and significantly improve your negotiating position when taking out a Mortgage. With mortgage comparison platforms such as HYPOTHEKE.ch, you can now compare the best online mortgages and apply for them directly.
Of course. The consultation is independent of any potential After the consultation, you decide for yourself whether you want to proceed with financing and, if so, with which Mortgage lender.
The costs depend on the complexity of your situation and the scope of the consultation. After an initial consultation, we’ll provide you with a transparent quote so you know exactly what services you’ll receive and what the costs will be.
Yes. We not only provide advice on purchasing a property, but also on replacements, refinancing, , and the optimization of existing mortgage strategies.
Mortgage Extension
A mortgage extension occurs when an existing mortgage expires and a new one is taken out. Switching mortgage providers or comparing mortgage rates online can be particularly helpful during extension to secure lower mortgage rates.
Mortgage Amortization
Amortization refers to the repayment of the mortgage debt. It can be made directly to the mortgage lender or indirectly through pledged assets such as a Pillar 3a account, and it affects interest costs, taxes, and financial flexibility. Find more information here: Direct versus indirect Amortization,optimal Mortgage amount,first and second Mortgages explained,Amortizing a Mortgage upon retirement
With fee-based consulting, the focus is on the quality of the advice rather than on selling a specific product. This reduces conflicts of interest and allows decisions to be made objectively and in the client’s best interest.
All right
Transparent costs
Following an initial free, no-obligation consultation, we’ll work with you to define the scope of our consulting services and prepare a transparent quote.
You know right from the start:
- What services you receive
- What questions are answered
- What costs are involved
Any from Mortgage lenders are disclosed and offset against our fee.
Brokerage commissions are payments that mortgage brokers may receive from a provider upon successful placement. At HYPOTHEKE.ch, such commissions are transparently factored into the fee; any surplus is passed on to customers as cashback. This mortgage cashback system is unique in Switzerland.
How the consultation works
Clearly structured and professional
1. Free initial consultation
Assessment of the current situation, starting point, and scope of consulting services
2. Analysis and Strategy
Recommendations and Financing Options
3. Implementation and Support
Financing process and negotiations with mortgage lenders
For customers who expect more than a standard solution
We look forward to meeting you. Consultations take place in person at our office, located right next to Zurich’s main train station.