Terms of Use
HYPOTHEKE.ch is operated by “GTF Gesellschaft für technologiebasierte Finanzdienstleistungen AG” (hereinafter “GTF” or “HYPOTHEKE.ch”). These Terms of Use govern the use of all services offered on HYPOTHEKE.ch and by GTF (hereinafter “Services”). The Services are described on the HYPOTHEKE.ch websites. GTF is a Swiss stock corporation.
We are pleased that you are using the services of HYPOTHEKE.ch. Please read the following Terms of Use and the Privacy Policy carefully. By accessing or using HYPOTHEKE.ch or its subdomains (e.g.,
1. Target Audience
HYPOTHEKE.ch is intended exclusively for individuals in Switzerland who are at least 18 years of age and is directed solely at individuals, partnerships, and legal entities with their registered office or residence in Switzerland (hereinafter “Users”). Use of HYPOTHEKE.ch on behalf of a third party is permitted provided the User is authorized to do so by that person. These Terms of Use apply equally to Users and third parties. In particular, HYPOTHEKE.ch and our services are not intended for Users who, due to their place of residence (e.g., the U.S., Canada, etc.), nationality, or other criteria, are subject to a legal system that prohibits or restricts access to HYPOTHEKE.ch or its services. Persons to whom such criteria apply are expressly prohibited from accessing HYPOTHEKE.ch and using our services. HYPOTHEKE.ch reserves the right at any time to prohibit users from using HYPOTHEKE.ch or to block their access without providing reasons.
All references to people apply to both genders.
2. Key Definitions
Registration
Means that a user has successfully registered with HYPOTHEKE.ch using their email address and, depending on the service purchased (Service Offering, Point 3), their cell phone number as well.
Mortgage lenders
Mortgage lenders have the opportunity to offer their mortgages to users via HYPOTHEKE.ch, thereby benefiting from an attractive sales channel and low acquisition costs.
Third Party
If a user enters data on behalf of a third party, that third party is considered a third party.
Mortgage Application Package
All compiled information and data required by HYPOTHEKE.ch and mortgage lenders to comprehensively evaluate a request for a quote. A mortgage application package is complete when all details have been entered correctly and all necessary documents for evaluation have been uploaded.
Mortgage Inquiry
When a user selects a mortgage lender on HYPOTHEKE.ch and thereby submits a non-binding inquiry to HYPOTHEKE.ch.
Request a Quote
When a complete mortgage application, reviewed by HYPOTHEKE.ch, is forwarded to a mortgage lender for a final quote.
Financing Offer
An offer issued by the Mortgage lender to the user to enter into a Mortgage agreement.
Abschlussfertige Interest Rates
HYPOTHEKE.ch publishes Abschlussfertige Interest Rates for complete Mortgage Applications. “Interest rates ready for finalization” means that, with a high degree of probability (approximately 90 percent of all cases), the interest rate calculated by HYPOTHEKE.ch at the time of the quote request can be finalized. For a binding offer to be issued, the Mortgage lender must first successfully complete the final review.
Final review by the mortgage lender
HYPOTHEKE.ch conducts a preliminary review of the mortgage application so that a final interest rate can be communicated. However, the interest rate and other terms and conditions for granting the mortgage must still be confirmed by the mortgage lender before a financing offer can be issued.
Mortgage Brokerage
This means that a user selects a mortgage lender on HYPOTHEKE.ch, the mortgage lender submits a binding offer to the user, the user accepts the offer by signing the mortgage agreement, and the mortgage lender confirms the disbursement of the Mortgage to the user to HYPOTHEKE.ch.
Data Entered
All data and information that users enter via online forms, apps, online tools, or other input methods, or otherwise provide to HYPOTHEKE.ch in connection with the use of HYPOTHEKE.ch or the services and Mortgage Brokerage offerings (e.g., email address, phone numbers, gender, income, type of property, desired Mortgage amount, assets, etc.), as well as all forms of communication and correspondence between HYPOTHEKE.ch and the user and third parties (e.g., emails, letters, notes from phone calls, etc.).
3. Services Offered
GTF operates a non-exclusive mortgage comparison and brokerage platform under the name HYPOTHEKE.ch. Mortgage lenders have the opportunity to offer their mortgages through HYPOTHEKE.ch and thereby benefit from an attractive sales channel and low customer acquisition costs. Use of HYPOTHEKE.ch is free for users in the public area and does not require registration. Users can enter their information, configure their desired Mortgage, view interest rates, receive regular interest rate updates, open a user account or register, and much more. To view details about individual offers or to submit a Mortgage inquiry, users must register.
The following additional features are available after free registration:
- View details about the offers and the mortgage lenders behind them (e.g., details on any required Amortizations, contract details, etc.)
- Compare all potential providers
- View the cashback amount for each individual provider
- Submit a Mortgage application and authorize the arrangement of the desired Mortgage. You can still switch mortgage lenders at a later date.
- Receive an interest rate update: After registration, we automatically send an interest rate update via email to the user. The frequency can be changed at any time via a link in the email, or the interest rate update can be unsubscribed from using the same link.
- Benefit from advice from one of our experts.
Submitting a mortgage inquiry via HYPOTHEKE.ch is free of charge and non-binding for users. By selecting a Mortgage lender, the user does not yet place an order with HYPOTHEKE.ch for mortgage brokerage services. An order for consultation and mortgage brokerage is placed by the user before or during HYPOTHEKE.ch’s review of the mortgage application.
4. Non-binding nature of offers and information regarding published interest rates
The personalized mortgages listed by HYPOTHEKE.ch and provided by mortgage lenders are neither binding nor definitive. Under no circumstances does HYPOTHEKE.ch make a binding loan commitment, nor does it ever confirm, directly or indirectly, a binding interest rate or any other information or calculations displayed on HYPOTHEKE.ch. A binding loan commitment and confirmation of interest rates and other potential terms of the contract are, without exception, provided directly to the user by the Mortgage lender. Even the delivery of a mortgage contract to the user that has not been countersigned by the Mortgage lender does not constitute a loan commitment or a confirmation of interest rates. The loan agreement signed by the Mortgage lender and concluded between the user and the Mortgage lender is binding. HYPOTHEKE.ch is not a party to any contracts or offers concluded by users through HYPOTHEKE.ch with Mortgage lenders or other parties and applies no liability whatsoever. Users are solely responsible for informing themselves about any risks (e.g., a possible Repayment penalty, risks associated with taking out a Mortgage in connection with the purchase of a property, withdrawal from the Purchase contract, or the Extension or replacement of a Mortgage, etc.) when entering into the Mortgage agreement with the Mortgage lender.
The data and information published by HYPOTHEKE.ch and its Mortgage lenders do not constitute a binding offer or a proposal to enter into a contract. The data and information published by HYPOTHEKE.ch are intended solely to assist in decision-making and for personal information purposes. HYPOTHEKE.ch makes significant technical efforts to ensure that the published interest rates are honored when a contract is concluded with a Mortgage lender, but cannot guarantee this in any way. There is no entitlement to the interest rates displayed by HYPOTHEKE.ch. Furthermore, the displayed interest rates and terms are subject to time limits. They are automatically adjusted to reflect prevailing conditions, such as current interest rate levels. The published information constitutes neither a recommendation nor an invitation to enter into a mortgage agreement, to carry out any other transactions, or to enter into any legal transaction.
Many mortgage lenders follow an “initial interest rate” policy. This means that the interest rate initially offered to a user is always applied. If the user has already obtained an offer from another mortgage broker or directly from a Mortgage lender, some Mortgage lenders may apply the first offer received, even if it is less favorable than the offer calculated by HYPOTHEKE.ch. The HYPOTHEKE.ch algorithm cannot account for the internal interest rate policies of certain mortgage lenders with respect to different sales channels. As a general rule, mortgage lenders are not obligated to adjust interest rates downward when rates fall—even after the expiration of any displayed offer period. An offer submitted by a mortgage lender may remain valid even after its expiration. How this is handled is at the discretion of the mortgage lender. There is no automatic entitlement to a new offer under different terms.
The data and information entered by the user, as well as any documents to be submitted subsequently, are decisive for the credit decision made by Mortgage lenders. The user agrees to provide and submit all data accurately, completely, and to the best of their knowledge and belief, and to make the necessary documents available to HYPOTHEKE.ch, the selected Mortgage lender, and/or its service partners upon request. The user may be informed of which documents are required directly within the application, subsequently by HYPOTHEKE.ch, or directly by the Mortgage lender. HYPOTHEKE.ch or the Mortgage lender may review the data entered by the user and request, evaluate, and verify any necessary documents. A final and binding offer will be submitted only after the Mortgage lender has reviewed additional documents and verified the appraised value of the property to be financed. It is at the sole discretion of the Mortgage lender to accept or reject an offer request.
5.1 Compensation for HYPOTHEKE.ch
HYPOTHEKE.ch receives a referral commission from certain mortgage lenders for mortgage brokerage services. HYPOTHEKE.ch reimburses any referral commissions received from mortgage lenders directly or indirectly to the user (see Section 6)
For direct transactions through HYPOTHEKE.ch (owner-occupied properties—including Main Residences and owner-occupied vacation homes), there are two ways to pay for HYPOTHEKE.ch’s services:
- Dem Nutzer wird beim gewählten Angebot ein Cashback angezeigt: Bei den meisten durch HYPOTHEKE.ch angezeigten Angeboten erhält der Nutzer einen Cashback ausbezahlt. Die Abgeltung der Plattformgebühr erfolgt durch eine Verrechnung der durch HYPOTHEKE.ch von Finanzierungspartnern erhaltenen Vermittlungsprovisionen. Nutzer müssen in diesem Fall nichts zusätzlich bezahlen und erhalten den angezeigten Cashback ausbezahlt.
- Dem Nutzer wird beim gewählten Angebot eine Plattformgebühr angezeigt: In diesem Fall erhält HYPOTHEKE.ch vom durch den Nutzer gewählten Finanzierungspartner keine Provision oder eine zu tiefe Provision, um die Plattformgebühr vollständig abzugelten. In diesem Fall stellt HYPOTHEKE.ch dem Nutzer den Teil der Plattformgebühr direkt in Rechnung, der die Höhe der durch HYPOTHEKE.ch erhaltenen Vermittlungsprovision übersteigt. Wenn der Nutzer keinen Cashback erhält und die Plattformgebühr direkt (ohne Verrechnung mit der Vermittlungsprovision) bezahlen muss, wird er von HYPOTHEKE.ch ausdrücklich darauf hingewiesen.
To calculate the cashback, HYPOTHEKE.ch applies a platform fee. This fee is calculated dynamically and depends on the amount and Term of the brokered Mortgage. It decreases as a percentage of the Mortgage amount—the higher the volume and the longer the Term of the brokered Mortgage, the lower the percentage. The platform fee in Swiss francs is calculated as follows:
Mortgage amount*(Term*0.001), minimum 800
Mortgage amount = The amount of the Mortgage on the disbursement date. If there are multiple tranches, this refers to the total of all tranches.
Term = Term or framework term in years as specified in the mortgage agreement. For the purpose of calculating the platform fee, the term is limited to a maximum of 10 years. For mortgages without a fixed term or with terms of less than three years, a term of three years is used for calculations. If there are multiple tranches, the calculation is based on the average term weighted by the mortgage amount per tranche.
The platform fee is due upon successful placement of a Mortgage and is offset against the referral commissions received by HYPOTHEKE.ch. The platform fee reflects HYPOTHEKE.ch’s total expenses. Any applicable value-added tax is included in the platform fee. HYPOTHEKE.ch may adjust the amount of the platform fee at any time and without prior notice. The platform fee is calculated at the time of the quote request according to the terms specified in the Terms of Use at that time and applied accordingly. By accepting the amount and calculation methods of the platform fee as set forth in these Terms of Use, the user expressly confirms that they agree to and understand these terms and, accordingly, indirectly (by having HYPOTHEKE.ch offset the fee against commissions received from Mortgage lenders, if a cashback amount was displayed) or directly (if no cashback was displayed, but a platform fee was shown).
5.2 Non-owner-occupied properties / investment properties (e.g., rental apartments, multi-family homes, etc.) and other properties (including owner-occupied properties) that cannot be brokered through the standard process
For mortgages that cannot be arranged through HYPOTHEKE.ch’s standard process (e.g., rental properties, complex financing arrangements, etc.), the platform fee agreed upon in Section 5 will not be charged. Instead, either a customized platform fee will be agreed upon with the user/client, or the standard fee for non-owner-occupied properties/investment properties will apply, which is a flat rate of 0.1% of the mortgage amount per year of the term. If no individual platform fee is agreed upon with the customer prior to placing the order, the standard fee for non-owner-occupied properties / investment properties automatically applies. The reimbursement of the brokerage commission (Section 6) is handled in the same manner as for direct transactions. If the commission received by HYPOTHEKE.ch is insufficient to cover the agreed-upon fee, HYPOTHEKE.ch will inform the customer of this in any case prior to the Mortgage brokerage. The amount of any cashback will be communicated to the customer by HYPOTHEKE.ch prior to the Mortgage brokerage. The customer is only entitled to cashback amounts communicated to the customer prior to the Mortgage inquiry.
6. Refund of Brokerage Commissions
When brokering mortgages, HYPOTHEKE.ch receives a brokerage commission from certain mortgage lenders in the amount of 0.1 percent to 1 percent of the mortgage amount paid out to the user by the mortgage lender. HYPOTHEKE.ch reimburses any brokerage commissions received from Mortgage lenders directly or indirectly to the user by offsetting them in full against the platform fee (see Sections 5.1 and 5.2). If the amount of the commission received by HYPOTHEKE.ch from the Mortgage lender exceeds the platform fee, HYPOTHEKE.ch will pay the difference to the customer in the form of a cashback.
User's right to cashback
If the brokerage commission received by HYPOTHEKE.ch from a Mortgage lender for a Mortgage brokerage transaction exceeds the platform fee, the portion of the brokerage commission that exceeds the platform fee will be paid out to the user in the form of a cashback. HYPOTHEKE.ch offsets the portion of the brokerage commission that does not exceed the platform fee against the platform fee, meaning that the brokerage commission received is not paid out directly to the customer, either in full or in part. If a cashback amount is displayed to the user when selecting a Mortgage, the commission is always offset against the platform fee (the user does not have to pay anything additional and receives the displayed cashback amount). The user agrees to the described offsetting of any brokerage commission against the platform fee (see Sections 5.1 and 5.2) and expressly waives any direct payment or transfer of the brokerage commission by HYPOTHEKE.ch. HYPOTHEKE.ch may retain the brokerage commission received.
Payment of any cashback
HYPOTHEKE.ch will only pay out cashback to the user once any brokerage commission has been definitively and irrevocably paid to HYPOTHEKE.ch by the Mortgage lender. In the case of staggered payments of brokerage commissions over an extended period, any cashback will not be paid out until the brokerage commissions already received by HYPOTHEKE.ch—and offset by HYPOTHEKE.ch against the platform fee—have reached the amount of the platform fee.
If the user is entitled to a cashback, the user will be notified of the payment date for the cashback(s). This notification may also be provided verbally. No later than upon signing the Mortgage agreement between the user and the Mortgage lender, HYPOTHEKE.ch will notify the user of the exact payment terms via email. Cashbacks may be paid out in installments, depending on the Mortgage lender and Mortgage loan model. HYPOTHEKE.ch will request the user’s current bank details 30 days before the cashback payment date (reminder email). The user can enter the details of their Swiss bank account for the cashback payment once via a link provided to them. If the user does not enter their account information, they will receive a total of three reminders to enter their account details via the corresponding link. After that, HYPOTHEKE.ch will no longer actively request the bank details and will not automatically transfer the cashback. If the user still wishes to receive the cashback via bank transfer, they must contact HYPOTHEKE.ch and submit their account details manually. Manual submission of account details is possible for twelve months after the first reminder email is sent. The reminder email can only be sent correctly if the user’s email address on file in the user account is up to date. The user is responsible for ensuring that their current email address is always on file in the user account. HYPOTHEKE.ch pays out cashback directly to a Swiss bank account. Transfers to a foreign bank account are not possible. HYPOTHEKE.ch does not pay interest on cashback under any circumstances. Users expressly waive any right to interest on cashback owed to them by HYPOTHEKE.ch.
HYPOTHEKE.ch displays any expected cashback directly in the mortgage comparison on the platform. If no cashback is displayed for an offer, there is no entitlement to cashback. If mortgage parameters—such as the term, loan amount, or Mortgage lender—are changed again after the preliminary selection of a Mortgage lender, the amount and payment terms of the cashback will also change. HYPOTHEKE.ch informs users of the exact amount of any potential cashback before they request an offer. The current cashback amount is visible in the user account. Users are responsible for checking the cashback amount in their user account whenever mortgage parameters change.
7. Unilateral Termination by the User
As soon as a user places a binding order for Mortgage brokerage with HYPOTHEKE.ch, administrative work is incurred by both HYPOTHEKE.ch and the Mortgage lender selected by the user. The binding order is not created by the selection of a Mortgage lender on HYPOTHEKE.ch, but only at a later stage, after the user has signed the order for Mortgage brokerage. If a user withdraws from the binding order for Mortgage brokerage placed with HYPOTHEKE.ch after it has been issued, HYPOTHEKE.ch will charge for the expenses incurred, provided that the Interest rate quoted to the user at the time of the offer request is met or undercut by the Mortgage lender. The flat-rate fee is 1,500 Swiss francs (excl. VAT). If the Mortgage lender is unable to match the interest rate quoted by HYPOTHEKE.ch, no flat-rate fee will be charged, and the user may decide again whether to place a new order with HYPOTHEKE.ch for Mortgage brokerage or to proceed with the Mortgage without using HYPOTHEKE.ch.
8. Collection and Sharing of Data with Mortgage Lenders and Service Providers
The user agrees that all data entered on HYPOTHEKE.ch may be forwarded to Mortgage lenders selected by the user and to any service providers of HYPOTHEKE.ch. The data is made fully accessible to the mortgage lenders through data exchange. By using the service and submitting a mortgage inquiry, the user fully releases GTF from any duty of confidentiality in connection with a request for an offer from the mortgage lender selected by the user.
HYPOTHEKE.ch may access the Mortgage lender’s loan processing data, which may reveal additional information about the user to HYPOTHEKE.ch. This data exchange is necessary, for example, to determine the reasons for discrepancies in an offer’s Interest rate or for the rejection of a quote request, and to identify ways to improve HYPOTHEKE.ch’s services.
The user agrees and expressly consents to HYPOTHEK.ch obtaining and processing information about the user or any third party from public records (e.g., Land registry, debt collection registry) or other third-party sources, such as credit rating agencies, in connection with the services requested by the user.
9. Potential Risks When Taking Out a Mortgage
Entering into a mortgage agreement presents both opportunities and risks for users. In particular, the timing of the agreement, the choice of mortgage loan model, the term, and the mortgage amount are critical factors in terms of risk. Choosing the wrong mortgage or the wrong mortgage lender may not align with your needs, which could result in significant losses compared to other financing options. In addition, early termination can incur very high costs. Choosing the wrong Mortgage, failing to properly align it with your retirement planning (e.g., coordinating with pension fund purchases or WEF withdrawals), or neglecting long-term financial planning can have significant implications for your tax burden or even nullify tax optimization measures you’ve already implemented or tax benefits you’ve already obtained. By requesting a quote and signing a contract with a Mortgage lender arranged by HYPOTHEKE.ch on behalf of the user, the user confirms that they have been individually and comprehensively informed about the risks associated with entering into the contract. The arrangement of a Mortgage does not constitute comprehensive financial advice.
10. Use of HYPOTHEKE.ch and Intellectual Property
HYPOTHEKE.ch and its services may only be used via the user interface provided by HYPOTHEKE.ch. Users are prohibited from interfering with the information and services provided by HYPOTHEKE.ch. HYPOTHEKE.ch reserves the right to refuse services to certain individuals or to suspend user accounts if users violate legal provisions or these Terms of Use, or if they misuse our service.
All elements on HYPOTHEKE.ch are the property of GTF, subject to third-party copyrights. The content may be freely accessed via a web browser. If any content is reproduced in whole or in part, in any form—whether electronically or in writing—HYPOTHEKE.ch must be explicitly cited. In addition, permission from HYPOTHEKE.ch is required for the republication of any content and for any commercial use.
Users must take appropriate measures to ensure that their personal login credentials for HYPOTHEKE.ch are protected from third parties and cannot be accessed by them. Users may choose which security features they wish to use to protect the data they have entered and stored in their user account. Users are solely responsible for selecting an authentication method that meets their minimum personal requirements.
11. Customer Reviews
Users have the option, but are not required, to rate the Mortgage lender they have chosen as well as the services provided by HYPOTHEKE.ch and to provide feedback. Only users who have registered and have actually used the services of HYPOTHEKE.ch may submit a review. Users, and not GTF, are solely responsible for the reviews they submit. GTF is not obligated to grant every user the opportunity to submit a review. By completing and submitting a customer review, users consent to the processing of the data they have provided and grant the following:
- All information you have entered is correct
- You are at least 18 years old and agree and warrant that the use of the content you provide does not violate the Terms of Use and does not cause any harm
You also agree and warrant that you will not submit any content,
- that you know to be misleading, false, or inaccurate
- that infringe on personal rights, copyrights, or data protection rights, or disclose trade secrets
- that violate any right, law, or regulation, including but not limited to, for example, provisions regarding unfair competition, anti-discrimination, and misleading advertising
After submitting a review, users can specify whether they do not consent to the use of their feedback at all, consent only if it is anonymized, or allow their name and place of residence to be disclosed. Unless otherwise specified, HYPOTHEKE.ch will use user reviews only in an anonymous form. All content you submit may be used by GTF at its sole discretion. GTF is entitled to modify, shorten, or delete any content in the submitted reviews that GTF, at its sole discretion, deems incompatible with its internal guidelines for publishing reviews. In particular, GTF will delete the names of individuals and employees who were involved in the mortgage origination process. GTF does not guarantee that users will be able to subsequently edit or delete content and reviews submitted by you. However, GTF reserves the right to remove or reject any review or submission for any reason. For all data you submit in connection with reviews, you grant GTF the irrevocable, perpetual, royalty-free, and geographically unrestricted right to reproduce, distribute, and make such data publicly available (including, but not limited to, the Internet, TV, social media such as Facebook, LinkedIn, or Twitter, print media, and video), to edit it, and to combine it with other content.
12. Statements and Receipts
HYPOTHEKE.ch generates a booking or invoice receipt (statement) for each transaction. This receipt is visible to the user in the login area for at least 30 days and can be downloaded accordingly. Due to the automatic anonymization of user data, the statement may be deleted no earlier than 30 days after it is generated. Users of HYPOTHEKE.ch may also request statements again at a later date. Thirty days after the statement is generated, it is deemed to have been approved by the user unless it is disputed within that period.
13. Information published on HYPOTHEKE.ch
The HYPOTHEKE.ch website is intended to provide information about our company and services. The information published is provided exclusively for personal and non-commercial use and for informational purposes. It may be removed or modified at any time without notice. Through the automated analysis of data, we can generate optimization suggestions, general tips, and advice (recommendations) tailored to your personal situation. Such recommendations for action may be presented to the user in various forms, such as in writing or via video. HYPOTHEKE.ch does not apply any warranty regarding the accuracy, timeliness, or completeness of the published information or recommendations for action. Comparisons, tables, analyses, index calculations, and other calculations and representations are provided solely for general information purposes based on indicative values. The published information and recommendations do not constitute decision-making aids for legal, tax, financial, or other advisory matters, nor should investment, Loan, or other decisions be made based on our information. Advice from a qualified professional cannot be replaced by automated recommendations or other information provided and is therefore recommended. For page content published in multiple languages, the German version applies.
14. Interest Rate Trends and Performance
The future performance of investment assets or the future interest rates of individual providers—or interest rates in general—cannot be inferred from the price and interest rate trends shown or other representations. Interest rates and securities yields are subject to change at any time.
15. Funding confirmation
A funding confirmation issued by HYPOTHEKE.ch without a signature is based solely on the information provided by the user at
16. Interest Rate Information, Mortgage Index, and Graphs
The interest rates shown in interest rate comparisons, historical charts, or index calculations are indicative reference rates. These reference rates are updated regularly and used to create charts and calculate indices. All information is non-binding and provided “as is,” based on the information available on the providers’ websites as of the respective dates. Individual data points may be interpolated for better graphical representation. Providers’ current interest rates are subject to change at any time and do not constitute an offer; please contact the respective provider for more information.
17. Disclaimer
The security, reliability, and timeliness of our website and services are important to us. Despite taking the best possible precautions, we cannot conclusively guarantee the security, reliability, timeliness, or confidentiality of data and information due to the public nature of the Internet. You use the Internet and HYPOTHEKE.ch at your own risk. This also applies to emails (electronic mail) and links that direct you to HYPOTHEKE.ch. The information that is entered and transmitted via the Internet is subject to risks. HYPOTHEKE.ch disclaims any liability for damages, consequential damages, losses, or other harm that may arise from the use of HYPOTHEKE.ch and our services. Certain links on our website direct you to third-party websites. These are completely beyond our control, which is why HYPOTHEKE.ch does not apply any responsibility whatsoever to the accuracy, completeness, or legality of the content on these websites. GTF expressly excludes any and all liability for losses and damages of any kind—whether indirect, direct, or consequential—that may arise from accessing HYPOTHEKE.ch, using our services, or from links to third-party websites. HYPOTHEKE.ch is not liable for any damages that may result from unauthorized third-party interference.
GTF also disclaims any liability arising from matters agreed upon between the user and Mortgage lenders. GTF is neither a party to these contracts nor responsible for their content. The terms of the contracts between the user and Mortgage lenders may differ from the information published on HYPOTHEKE.ch regarding Mortgage lenders or offers.
18. Amendment to the Terms of Use
HYPOTHEKE.ch may amend and update the Terms of Use at any time without prior notice. If you continue to access HYPOTHEKE.ch after any changes to these Terms of Use, you automatically agree to the most recent Terms of Use. The publication date of the Terms of Use will be posted on this page accordingly.
19. Severability
If any provision of these Terms of Use is unenforceable or invalid, or becomes invalid or unenforceable due to changes in the circumstances, the validity of all other provisions in these Terms of Use shall remain unaffected. In such a case, the invalid or unenforceable provision shall be replaced by another valid and enforceable provision that most closely approximates the legal and economic substance of the invalid provision.
20. Privacy Policy
By accepting these Terms of Use, the user confirms that they have read, understood, and unconditionally accepted the HYPOTHEKE.ch Privacy Policy, which is available at www.hypotheke.ch/datenschutzerklaerung/.
21. Jurisdiction and Language
HYPOTHEKE.ch subjects any legal relationships that may arise from the use of HYPOTHEKE.ch and our services to Swiss law. The place of jurisdiction is Zurich. The contract language is German. HYPOTHEKE.ch is partially available in languages other than German. In particular, the homepage and the application at
By proceeding to use our service, you confirm that you accept German as the sole contractual language between you and HYPOTHEKE.ch. Our contracts—and, in many cases, the contracts concluded between our customers and Mortgage lenders—are available only in German. You must be able to understand these contracts, our Terms of Use, and our Privacy Policy in German and assess the associated risks. Do not use our services if you do not agree to these terms.
These Terms of Use are effective as of November 25, 2025
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