Residential property

Are you ready for residential property?

Before you consider buying a property, it is worthwhile clarifying a few fundamental questions:

How urgent is your desire for your own home, and when do you want to move in at the latest?
What kind of property are you looking for, and what does the current market offer?
How familiar are you with the buying and financing process? Where do you need support?
How much can you and would you like to pay?

Our expertise in real estate financing can help you answer these questions and take the first steps with confidence.

Equity – your basis for the purchase

In order to buy residential property, at least 20% of the purchase price must come from your own funds. We will finance the remaining 80% with our mortgage loan.

Your own funds can come from various sources, such as:

Savings
Pillar 3a assets
Gifts
Securities assets
Capital from the pension fund

Depending on the amount of the mortgage, amortisation payments will be required in order to make the financing sustainable.

Is the financing viable in the long term?

To ensure that your property remains affordable even when interest rates rise, we calculate viability with an interest rate of 4.5–5%. The total property costs – consisting of interest, amortisation payments and ancillary costs – should not account for more than a third of your income. In this way, we ensure that your financing will also remain stable in the future.

Fixed-rate mortgage

A fixed-rate mortgage ensures a fixed interest rate for the entire term, regardless of how interest rates change. This allows you to plan the costs for your mortgage over the long term. We offer flexible terms of one to 10 years.

Fixed interest rate over the entire term

Planning security over several years

No risk if interest rates rise

SARON mortgage

A SARON mortgage offers you flexible financing without a fixed term. The interest rate is adjusted quarterly to match the movement of the money market. The reference interest rate is the SARON (Swiss Average Rate Overnight), which is published by the SIX Swiss Exchange. Because the interest rate fluctuates, you can benefit from falling interest rates, but you also have to react accordingly when interest rates rise. The term is open-ended.

Flexible interest rate, adjusted to match the money market

Full transparency through the SARON reference interest rate

No fixed term, maximum flexibility

Renovations and refurbishments

Selective optimisations and energy upgrades have a positive impact on operating costs, the preservation of the value of the property and climate protection.

Renovations

Renovations generally consist of visual improvements and functional adjustments, such as modernising kitchen and bathrooms or replacing flooring. They improve the look and usability of your property.

Refurbishments

In the case of refurbishments, the measures extend beyond normal renovation work and involve major interventions that are needed to preserve the building structure, among other things. Energy refurbishments aim at minimising energy consumption and switching to sustainable, low-carbon heating systems.

The benefits for you

Market expertise

Benefit from our in-depth market knowledge, supported by the expertise of Tellco Real Estate.

Network

Take advantage of our long-standing network for comprehensive support in all matters involving real estate and financing.
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Consulting

We will support you personally and reliably throughout the entire process.

Efficiency

Thanks to short decision-making processes, we guarantee fast and smooth processing.

Contact or callback

Do you have any questions, or would you like to schedule a no-obligation consultation? Our specialists will be happy to help you.

Contact us

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