The financing solution for your dream property
Find the right mortgage with ImmoSky
Even if you are not buying a property with ImmoSky
Owning a property gives you security and is a good investment for the future.
Our advisers will help you to find a suitable financing solution for your chosen property.
You can rely on us to support you as a strong partner. Request independent mortgage advice now.
Mortgage consulting from ImmoSky
What is it?
- Independent advice by experienced experts
- Free of charge with no strings attached
- First-rate mortgage deals
- From analysis to agreement in principle
- Decision within 48 hours as a rule
Who is it for?
- Clients who are buying a property through ImmoSky
- Clients who are not buying a property through ImmoSky
- Potential buyers who want to work out their budget
- Property owners who are looking for a new mortgage deal
- Initial financing
- Bridging loan
- Follow-on financing
- Change of mortgage
How does mortgage consulting work?
Analysing your needs
We look at your circumstances and financial situation.
We look at which financing partners are the best match for you.
Negotiating a deal
We negotiate the best deal for you.
Supporting you through to completion
We accompany you until ownership is transferred.
How you benefit from ImmoSky’s mortgage advice
- We can offer you the expertise of estate agents and financial experts under one roof
- Independent advice:
we compare the deals offered by different providers
- Our advice is free of charge
- We take care of the administration so you don’t have to
Which mortgage model is right for me?keyboard_arrow_down
There are different mortgage models. Which is the right one for you? Your financial resources play a role, as do your attitude to risk and anticipated developments in interest rates. In Switzerland, there are three types of mortgage: fixed-rate mortgages, variable-rate mortgages and SARON mortgages (money-market mortgages). For all mortgages, the interest rate depends on the amount of the loan and its term, market interest rates and your credit rating (creditworthiness).
How much equity do I need to get a mortgage?keyboard_arrow_down
You need equity of at least 20%, whereby 10% must be real cash. Examples include savings, a savings balance from the 3rd pillar or advances against inheritance. A pension fund balance, for instance, is not classed as real cash.
How much can I afford to borrow on a mortgage?keyboard_arrow_down
The interest, monthly repayments (amortisation), maintenance costs and bills must not exceed 33% of your remaining gross income. Banks will only approve applications up to this level.
Our mortgage partners
Request mortgage advice now
We provide independent advice based on your personal circumstances and goals.
We are there when you need us
We are also happy to provide more information or arrange an appointment with a mortgage adviser.
Complete the form and use the option to enter when you would like us to call you back.