Mortgages for buying a property in Switzerland

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If you are considering buying a property in Switzerland,  mortgages are available for the majority of Nationalities for either House Purchase or remortgage for Home Improvements and other purposes on a case-by-case basis.

Types of Swiss Mortgage: Repayment only (although 5 year Interest only Reviewable Mortgages also considered).

Minimum Loan Amount: £ 150,000, No Maximum (minimum Purchase Price of approx CHF450,000), but must not exceed 80% of valuation or purchase price - whichever is the lower.

Proof of Income: There are no non-status/self-certification mortgage facilities available in Switzerland (although renting out your property is permitted). All Swiss mortgages need to be supported by proof of income.

Employed - copies of your last three month's payslips & copies of your latest P60/Employer’s Reference together with copies of your last 6 month’s Personal Bank Statements will be required.

Self-employed - copies of your last three years Audited Accounts & copies of both your last 12 month's Business and last 6 month’s Personal Bank Statements will be required on application..

Income can be made up of Earned Income, Pension, Investment or Rental Income. Please note however, that the Lender may not take all or part of these Incomes into account when determining the maximum loan available.

Term: Maximum 35 years for loans up to 60% and maximum 30 years for loans up to 80% - up to age 70

Currency: Swiss Francs only