Mortgages

Depending on your personal circumstances, different mortgage models may be appropriate.

Fixed-Rate Mortgage

With a fixed-rate mortgage, the interest rate is set for an agreed term, allowing interest costs to be budgeted with confidence throughout that period. A fixed-rate mortgage can be particularly attractive for those who value predictability and long-term planning security.

SARON Mortgage

With a SARON mortgage, the interest rate is linked to the SARON money market rate, meaning interest costs may vary over the term. This model can suit those seeking greater flexibility in their financing and who are comfortable with fluctuations in interest costs.

Variable-Rate Mortgage

A variable-rate mortgage offers considerable flexibility, though typically at a higher interest rate. Depending on the situation, it can be well suited to transitional periods or cases requiring short-term adjustments to financing.

Combining Mortgage Models

Financing need not rely on a single mortgage model. Depending on your circumstances, it may be advantageous to divide your financing across several tranches and terms. The most suitable strategy depends on your risk capacity, your financial planning, and your future objectives.

To purchase an owner-occupied home, a minimum of 20 % in equity is generally required, with mortgage financing typically covering up to 80 % of the property's lending value. The equity that can actually be applied — and how the financing is structured — depends on your personal situation and the property itself. In many cases, financing with as little as 10 % in “hard equity” is possible.

Depending on your situation, eligible equity may include:

• Savings
• Securities
• Third-pillar (Pillar 3a) assets
• Early withdrawal or pledging of occupational pension (Pillar 2) assets
• Gifts or advances on inheritance
• Other qualifying assets

An important distinction exists between equity in general and so-called “hard equity.” Not every form of equity is treated equally by every financing partner.

Together, we determine which resources can be applied to your financing.

Affordability reflects whether the ongoing costs of a property remain sustainable in relation to your income over the long term.

In calculating affordability, financing partners typically consider imputed mortgage interest, amortisation, and maintenance and ancillary costs. As a general guideline, imputed housing costs should not exceed roughly one-third of eligible income.

The current interest rate alone is therefore not the decisive factor.

Financing that appears affordable today under a low interest rate may not remain sustainable in the long run. This is precisely why we assess your financing comprehensively before you commit to a purchase.

Under certain conditions, occupational pension assets may be applied toward the purchase of an owner-occupied home. However, this is subject to various legal and pension-related requirements. Depending on your situation, either an early withdrawal or a pledge of pension assets may be the more suitable approach.

We outline the options available to you and explain how the use of pension assets may affect both your financing and your long-term retirement provision.

Is your current mortgage nearing the end of its term?
Dann sollten Sie sich nicht erst kurz vor Ablauf mit der Anschlussfinanzierung beschäftigen.

We recommend addressing your follow-up financing well before the term expires, rather than at the last moment. Depending on the provider and product, a mortgage can often be renewed — or new financing arranged — well in advance, giving you time to compare options and plan your future financing strategy with care.

We review, on your behalf:

• Current mortgage rates
• Potential new financing partners
• Existing notice periods
• Term lengths
• Mortgage structuring
• Potential early termination costs
• Future amortisation
• Long-term financing strategy