Mortgage brokers in Switzerland

Published on Apr 24, 2025

Buying a house or apartment in Switzerland can be a smart investment, but Swiss mortgages work differently to those in many other countries, from affordability rules to the share of the price you need up front.

An expat-friendly mortgage broker can compare lenders, explain SARON and fixed-rate options, and guide you through getting a Swiss mortgage as a foreigner. Browse the recommended, English-speaking mortgage providers in Switzerland below.

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HYPOHAUS

HYPOHAUS compares and negotiates the best mortgage offer for you from over 50 different lenders in Switzerland. Our service is free of charge and with... show more

Common questions about mortgage brokers in Switzerland

Helpful pointers on what to consider before you get started.

A broker compares mortgage offers from multiple banks and lenders and helps you negotiate and arrange the right Swiss mortgage for your situation.

Yes, though conditions depend on your residence permit and circumstances. Brokers who work with internationals can explain what applies to you.

Buyers generally provide a share of the purchase price from their own funds, which can include savings and pension assets. A broker can confirm what you need.

Lenders check that the ongoing costs of a mortgage stay within a reasonable share of your income. This affordability test is a key part of getting approved.

A SARON mortgage has a variable rate linked to the Swiss reference rate, as opposed to a fixed-rate mortgage, where the rate is locked for a set term.

It depends on your plans and how much rate movement you are comfortable with. A broker can explain the trade-offs for your situation.

Rates vary by lender, term and mortgage type and change over time, so comparing current offers matters.

This varies. Some brokers are free to you and paid by lenders, while others charge a fee, so check before you start.

A broker can gather and compare offers from many lenders at once, instead of you approaching each bank individually.

Contact a broker listed above to discuss your plans and the documents you will need.

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