Your mortgage
at the best rate

Yes, our service is entirely free for you. We are compensated by our partner banks and insurance companies through commissions. This does not affect the conditions you receive — on the contrary, our negotiation often allows you to obtain better rates than you would on your own.

We compare offers from over 40 banks and insurance companies in Switzerland, including major banks, cantonal banks, insurance companies, and specialised lenders. This allows us to find the best offer tailored to your profile.

From a few days to a few weeks depending on the complexity of your file. After an initial consultation, we analyse your situation and present you with the best offers. A property purchase typically takes 4 to 8 weeks; a renewal can be faster.

We primarily cover the cantons of Geneva and Vaud, but can also handle cases throughout French-speaking Switzerland (Valais, Neuchatel, Fribourg, Jura). Consultations are available in person or via video conference.

Swiss banks use a theoretical interest rate of 5% (not the actual rate) to calculate your affordability. Total charges (interest + maintenance + amortisation) must not exceed 33% of your gross income. Our simulator uses this same official method.

Yes, we integrate a pension analysis (pillar 2 and pillar 3a) and tax optimisation into our mortgage advisory service. Using pillar 3a for indirect amortisation or pillar 2 for equity are strategies we systematically analyse for every client.