Mortgage calculator

What home fits my budget?

If you start arranging your mortgage in good time, the buying process will go smoothly once you have found your dream home. Use the mortgage calculator to work out the affordability of your prospective house purchase and then find out what mortgage rate is available to you by comparing mortgages at – with no obligation.

Calculate your mortgage

Your purchase price (CHF)
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Taxes and official fees are not included in the purchase price.
The maximum purchase price is calculated automatically based on your deposit and gross annual income, but you can change this manually.
Deposit (CHF)
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Money contributed by the buyer (equity). This money may come from savings, private pensions, occupational pension funds, inheritance etc. Lenders generally require a deposit of at least 20% of the purchase price.

Calculate deposit

The amount contributed from your occupational pension fund must not exceed CHF .
According to your figures, your maximum deposit is currently CHF .
Your deposit amount is CHF
Gross annual income (CHF)
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Gross annual income
Gross income from employment before deduction of social contributions, including 13th month salary and other salary components.

Loan-to-value ratio
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The loan-to-value ratio refers to the proportion of the property's value or purchase price that will be financed by a mortgage. A mortgage of CHF 650,000 on a property with a purchase price of CHF 1,000,000 gives a loan-to-value ratio of 65%. Most lenders offer mortgages up to a maximum loan-to-value ratio of 80%. However, the cheapest mortgages are only available when the loan-to-value ratio is 67% or less (first mortgage).
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This provides an indication of whether you can afford your preferred mortgage in the medium term. When calculating the financial affordability of a home purchase, the following rule applies: the mortgage rates, the amortisation/repayments and maintenance and ancillary costs should not add up to more than a third of your income. Many mortgage lenders will not approve a mortgage if the affordability ratio is greater than 33%.
The calculation is based on a notional mortgage rate of 5%.

Congratulations! Based on the above figures, you can afford to buy the property.

We will be pleased to help you find the right mortgage provider – free of charge.

Based on the income and deposit you specified, the value of the property slightly exceeds your budget. We recommend a purchase price of max. CHF %MortgageValue%.

Tip: Have you considered all funds at your disposal? You may also use securities, advancements of inheritance or your retirement savings. Learn more here.

  • How the mortgage calculator works

    The basic information required to calculate a mortgage is the purchase price of the property, the available deposit and the gross annual household income. These figures are are used to calculate affordability and the loan-to-value ratio, which are important to lenders and provide an indication of your creditworthiness. However, as these figures alone do not tell us much about the monthly costs involved, you can enter your desired or expected interest rate. This will give you a better idea of the costs that may be incurred.
  • What do the terms “affordability” and “loan-to-value ratio” mean?

    Affordability provides an indication of whether you can afford your chosen home in the long term, including during periods when interest rates are high. If the affordability value is low, you have a good chance of being offered an attractive interest rate. If your affordability is greater than 33%, it will be very difficult to find a lender and you will need to consider ways in which you can improve your affordability.

    The loan-to-value ratio describes the proportion of the amount you are borrowing and your deposit to the purchase price. Note that most lenders offer a loan-to-value ratio of no greater than 80%, which means you will need to provide a deposit of at least 20%. If the loan-to-value ratio is 66.67% or more, a second mortgage is usually taken out, generally at a higher interest rate.
  • Notes on the mortgage calculator at

    The calculation is based on the figures you provide, as well as assumptions and approximate values. can assume no responsibility for the completeness and accuracy of the results. The results are for information purposes only; any purchases made on the basis of these results are at the customer's own risk.

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