Special situations and mortgage in Switzerland
Certain life events directly impact your mortgage and financial capacity. Divorce, retirement, inheritance, renovation, expat status, or self-employment: each situation requires a specific approach. Our detailed guides help you make the right decisions.
Our guides by situation
Divorce and mortgage
Buying out a share, selling the property, co-ownership: options and steps for managing the mortgage during a separation.
Mortgage at retirement
Affordability with AVS/AHV and LPP/BVG pensions, early amortization, and strategies to keep your property after 65.
Inheritance and mortgage
Inheriting real estate, taking over a mortgage, estate division, advance on inheritance, and joint ownership.
Financing a renovation
Mortgage increase, construction loan, energy subsidies, and the Building Programme for your renovations.
Expats and B/C permit holders
Specific conditions for B and C permit holders, increased equity requirements, and specialized banks.
Cross-border workers (G permit)
Mortgage for cross-border commuters: residency conditions, increased down payment, banks that accept G permits.
Self-employed and freelancers
Obtaining a mortgage as a self-employed person: income documentation, required financial statements, receptive banks.
Why are these situations special?
Each of these situations changes one or more essential parameters of the mortgage equation: the income taken into account, the permitted loan-to-value ratio, the required equity, or the contractual conditions. Banks apply specific criteria for each case, and mistakes can be costly.
A specialized mortgage broker knows the specifics of each institution and can guide you toward the solutions best suited to your situation. Whether you are going through a divorce, preparing for retirement, or considering a property purchase from abroad, professional guidance can make a real difference.
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