Strategy 4 min
Tranche strategy: spreading interest rate risk
How to split your mortgage into several tranches with different terms, spread interest rate risk and avoid typical drawbacks when switching banks.
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Independent advice, based in Aargau
Mortgages, property, fiduciary.
All under one roof.
We arrange mortgages and financing, manage and sell property and take care of your accounting and tax work. One team, one dedicated contact person, and the initial consultation is free of charge and without obligation.
- Free initial consultation
- Discreet
- Personal, based in Aargau
- Reply within 1 working day
Quick affordability check
30 sec.Loan-to-value · max. 80 %
75.0 %
Affordability · max. 33 %
36.1 %
Not yet affordable
The figures above are guidelines. Some banks make exceptions, for example for assets, additional income or a very good credit rating. We look at your situation free of charge and without obligation.
Imputed interest rate 5 %, ancillary costs 1 %, amortisation of the second mortgage over 15 years. Assumes no pension fund money.
What we do for you
Financing and property from a single source.
Buy a home
Affordability, equity, offers: we support you from the first check to the handover of the keys.
Check affordabilityRenew your mortgage
Comparing pays off up to 12 months before expiry. We obtain offers and negotiate further.
Calculate savingsValue your property
What is your flat or house worth today, and what would remain after a sale? Estimated online in two minutes.
Estimate valueMore than mortgages
Everything around your property under one roof.
Financing, fiduciary services, management and sales: anyone who buys or owns property often needs more than a mortgage. With us, everything is aligned.
Financing brokerageConstruction and renovation loans, investment properties, commercial properties and SME loans.Learn more Fiduciary servicesTax returns, tax advice for homeowners, accounting, payroll and company formation.Learn more Property managementManagement of rental properties and condominiums, letting and service charge statements.Learn more Marketing & salesSelling and letting houses, flats, investment properties, new-build projects and building land.Learn more
Specialist financing
For special situations, too.
Not every financing fits a bank’s standard criteria. We know which documents are needed and approach lenders that finance such cases.
Describe my situationSelf-employed
With annual financial statements instead of a salary certificate, even if the company is still young.
New builds
Construction loan and mortgage from a single source, from reserving the plot to moving in.
Investment properties
Apartment buildings and let flats, calculated using the rental income.
B permit
Home ownership is possible even without a Swiss passport or a C permit.
Tight affordability
When it gets tight, we look for solutions such as additional collateral or a different split.
Current indicative rates
What does a mortgage cost today?
Calculate your personal affordabilityRate alert by email
We will let you know as soon as the indicative rates move by 0.10 percentage points or more, and send you a rate overview once a month.
We use your email address for this purpose only and do not pass it on. You can unsubscribe at any time with one click. Find out more in our privacy policy.
Choose mortgages and threshold yourselfIndicative rates on request
Rates change all the time. We are happy to give you today’s indicative rates for your situation, free of charge and without obligation.
Ask for today’s ratesHow we work
Four steps to a signed mortgage.
- 1
Analysis
You tell us about your plans. In a short conversation we check affordability, loan-to-value and strategy.
- 2
Tender
We obtain anonymised offers from suitable lenders and negotiate further.
- 3
Decision
You receive a clear comparison with a recommendation on term and tranches.
- 4
Completion
We guide you through the contract, mortgage security and payout up to the handover of the keys.
Guide
Make good decisions with the right knowledge.
Tax 4 min
Imputed rental value and mortgage interest in your tax return
Imputed rental value, interest deductions and maintenance: how the current system works, what the approved system change alters and what it means for amortisation.
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Buying 4 min
The 33 per cent rule explained simply
How banks calculate the affordability of a mortgage: imputed interest, amortisation and ancillary costs in relation to income, with a worked example.
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Frequently asked questions
Answered briefly and clearly.
More questions? Give us a call or use the calculator, which explains every figure.
What does the advice cost?
The initial consultation is free of charge. Before we submit your file to banks, we agree in writing on a processing fee of CHF 500. If a mortgage is concluded, our fee is 0.75 % of the mortgage amount. The CHF 500 and the bank’s commission are fully credited against it: you only pay any remaining difference. We disclose all commissions.
How much equity do I need?
At least 20 % of the purchase price, of which at least 10 % must be your own funds such as savings, pillar 3a or a gift. Pension fund money only counts towards the second 10 %.
How is affordability calculated?
Mortgage × 5 % imputed interest rate, plus amortisation of the second mortgage, plus 1 % ancillary costs. The total may not exceed 33 % of your gross income.
Will banks find out about my enquiry?
Only when you want them to. We put your financing out to tender anonymously; your data only goes to lenders you approve.
Mortgage expiring or a purchase in sight?
An initial consultation costs nothing. We will get back to you within one working day.