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?

Your current situation
Your targets
  • Estimated tax rate15%
  • Average Inflation Rate1.5%
  • Rate of Return at Retirement5%
  • Max. First Pillar Income (2021)CHF: 28680
  • Max. Years44
You will have
You will need

Disclaimer: the calculation above is for illustrative purposes only. For a tailored assessment of your exact circumstances, please contact us.


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?