Property financing guide

Are you looking for a property? If so, you also need to think about financing. Comparis explains how to find the right mortgage for you.

Three tips on financing a property

Taking out a mortgage to finance purchasing your own home can seem complicated at first. Here are three tips for planning your property financing in a structured way.

1. Plan your budget early

Before you start looking for the right property, you should realistically assess your budget. Two key factors play a role here: affordability and the loan-to-value ratio.

Affordability: As a rule, your monthly housing costs (mortgage interest, repayments and ancillary costs) should not exceed one-third of your gross income.
Loan-to-value ratio: the lender will check what percentage of the purchase price you can finance with a mortgage. In Switzerland, you need a deposit of at least 20%. No more than half of this may come from an early withdrawal of your pension assets. You can finance, at most, the remaining 80% with a mortgage.

Our tip

You can use the Comparis mortgage calculator to calculate the purchase price of a property you can afford in just a few steps.

Mortgage calculator

2. Compare interest rates

The mortgage rates on offer can vary depending on the term and the provider. Even small differences in interest rates can make a big financial difference in the long term with a mortgage. It's therefore worth comparing the offerings available.

Compare interest rates now

3. Seek advice from an independent specialist

Are you still not sure which financing solution is best for you? HypoPlus, the mortgage partner of Comparis, offers comprehensive mortgage advice.

Calculate mortgage rates

Further information about property financing

Whether you're looking to split your mortgage into tranches or buy your own home as an investment, Comparis provides you with important information on property financing.