Your mortgage in Geneva
Geneva is one of the most dynamic and expensive property markets in Switzerland. With some of the highest prices per square metre in the country, choosing the right mortgage can make a difference of tens of thousands of francs over the loan term.
Vision Hypotheques supports you in Geneva to find the best mortgage conditions, whether you want to buy your first property, renew your mortgage or optimise your current terms.
The Geneva property market
The Canton of Geneva stands out for several characteristics that directly impact your mortgage project:
- High prices: the median apartment price exceeds CHF 1,000,000, villas often reach CHF 2,000,000 to 3,000,000
- Very low vacancy rate: below 1%, which supports prices
- Strong international demand: Geneva attracts expats and international organisations
- Transfer duties: approximately 3% of the sale price, to be included in your budget
- Attractive taxation: mortgage interest and maintenance costs are deductible from taxable income
Our services in Geneva
Property purchase
For a purchase in Geneva, the amounts involved make mortgage comparison essential. We analyse your financial capacity, prepare your file and negotiate with our 40+ partners to obtain the best conditions.
Mortgage renewal
Is your mortgage coming to maturity? It is the ideal time to compare offers and potentially switch lenders. In Geneva, even a 0.1% difference on a CHF 800,000 loan represents CHF 800 per year.
Optimisation and pension planning
Beyond the mortgage, we include a pension analysis (2nd pillar, pillar 3a) and tax optimisation. Indirect amortisation via pillar 3a is particularly advantageous in Geneva due to the tax rates.
Estimate your purchasing capacity in Geneva
Simulate my projectPurchase costs in Geneva
| Cost | Rate / Amount | Example (CHF 1,500,000 property) |
|---|---|---|
| Transfer duties | ~3% of price | CHF 45,000 |
| Notary fees | Included in transfer duties | -- |
| Mortgage note (cedule) | ~0.15% of amount | CHF 1,800 |
| Bank processing fees | Variable (often waived) | CHF 0 - 500 |
| Estimated total | ~CHF 47,300 |
Districts and areas
We assist clients throughout the Canton of Geneva: City of Geneva, Carouge, Lancy, Meyrin, Vernier, Onex, Thonex, Chene-Bougeries, Vandoeuvres, Cologny, Plan-les-Ouates and all Geneva municipalities.