Swiss Mortgages

Property financing in Switzerland


For most people, property is the biggest purchase they will ever make - and you want to get it right the first time.

Whether you’re looking to purchase a home or you want to buy an investment property, buying property in Switzerland works a little differently than elsewhere. 

From deposits to repayment terms, you’ll need an insider’s take on the Swiss property market to get the best return on your investment. 

We’re financial advisers – not mortgage sellers.

What does that mean for you? We want to find the best deal for you - not just what’s available off the shelf.

We specialise in helping our clients get the lowest mortgage rates, best repayment terms, and biggest tax savings.

Before even starting the mortgage search, we’ll work with you to understand why you are buying, how much you could save versus renting, and how it fits into your overall financial plan. 

We’ll also explain the transfer and capital gains taxes relevant to your canton and/or country – something rarely explained by the banks.

We work with the biggest lenders in Switzerland and internationally to find the best offers for our clients. 

We take you through a comparison of the top offers so you understand the pros and cons of each.

We help you make the right decision for you, and get you the best deal possible as a result.

Swiss real estate is among the most expensive in the world, and a 20% deposit can be unachievable for many people.

At IWP we can show you how to save, finance and tax optimise a future property purchase in the most efficient way, often with less than 20% cash deposit.

Uniquely, the first mortgage (around 2/3 of property value) never needs to be repaid in Switzerland. A person may choose to repay this part of the loan, but there is no legal requirement to do so; it would stay as an interest-only mortgage indefinitely.

By law, the second mortgage must be repaid by retirement, and there are two options for repayment; direct and indirect amortisation. 

Typically - but depending on a person's unique situation - indirect amortisation saves more in income tax, and provides additional returns, over amortising directly.

It's essential to seek professional financial advice to learn the rules for permit holders, tax benefits available and how to own your own home in Switzerland.

  • Socially Responsible Investing

    Sustainability and social responsibility is shaping how people think and invest - which is where our team comes in.

  • Property Investment

    From residential property to commercial property investment ideas, we’re here to help you get the best return on your investment.

  • Swiss Mortgages

    From deposits to repayment terms, you’ll need an insider’s take on the Swiss property market to get the best return on your investment.

  • US Compliant Investments

    The team here at IWP are well-versed in suitable investment options for American investors.

  • Insurance

    Make sure you're covered for the worst case scenario with the right level of insurance for your lifestyle.

How much do you need to retire?

Using the retirement calculator below, you can find out whether you’re on track, over, or under for the retirement you want. 

Your current situation
Your targets
  • Estimated tax rate15%
  • Average Inflation Rate1.5%
  • Rate of Return at Retirement5%
  • Max. First Pillar Income (2023 based on 44 years)CHF: 29,400
  • Max. Years44
You will have
You will need

How we calculated your results

This projection uses fixed assumptions for tax, inflation and investment returns at retirement to calculate how much you will need to retire/become financially independent.

Next Steps

Shortfall? Not ideal, but at least now you know, and it's time to start doing something about it.

Over what you need for retirement? Great, but you're not there yet!

In either case, if you can optimise and either retire sooner (or with more money), there's no reason not to.

We can help you model different scenarios, tailored to your unique situation. Different countries, different income levels, and early retirement all mean different currencies, inflation, and tax considerations.

Every day you wait is one less day to save for retirement. Take action now - get in touch with us here or call us on +41 (0) 44 552 12 12 to take ownership and secure your future.

How to use this retirement calculator

  1. Enter your current age, income after taxes, current savings, and how much you save each month (after bills and expenses).
  2. Average return on savings = For example, assume 1% for cash, 5% for investments, or 3% if you have a mixture of both.
  3. Next, enter the amount of your current income you would like at retirement. For example, someone receiving CHF 10,000/month may want CHF 6,500 - or 65% - of their current income at retirement.
  4. Lastly, enter the number of 1st pillar contributions you will have made by retirement. For example, if you've paid 5 years' 1st pillar contributions until today, and expect to pay in for a further 20 years, enter 25 years. Based on the Swiss state pension.

Your targets

  1. Enter the age you would like to retire.
  2. Use the Age slider above to increase and decrease the age; when the bar chart showing 'You will have' and 'You will need' are the same, that is your expected age of retirement.

Download your retirement calculation

Enter your details into the form below and we'll send you your free retirement calculation.

Thank you

Congratulations! Your personal retirement calculation is on its way to your email inbox.

Take time to digest the information, then take action - get in touch with us or call us today at +41 (0) 44 552 12 12.


How much do you need to retire?

Achieve financial freedom - and retire when you want to. 

We help investors in Switzerland build assets and create passive income to replace formal employment. 

By listening carefully, giving honest advice, and creating tailored investment plans, we help you achieve your long-term financial goals.

How much do you need to retire? Request your free guide now and find out with our simple 2-step process. 

How much do you need to retire?

How much do you need to retire?