Dreaming of Your Own Home? Now’s the Time – How to Find the Right Mortgage

Now is the perfect time: In June 2025, the Swiss National Bank lowered the key interest rate to 0%. This makes mortgages more appealing and brings you closer to your dream of owning your own home.

Together with our partner MoneyPark, Helvetia’s brand for independent mortgage services, we’ll show you step-by-step how to choose the right mortgage strategy.

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Finding the Right Mortgage – in 4 Steps

1. Prepare Thoroughly

Gather all proof of your equity (e.g., bank statements, securities) and your income (pay slips, tax assessments) as early as possible.

Then check:

• Do you have at least 20% equity?
• Is your monthly burden below 33% of your gross income?

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2. Choose the Right Mortgage Model

Fixed-rate or SARON?

• Fixed-rate mortgage: Offers interest rate security and good predictability.
• SARON: More flexible and often cheaper, but less predictable.
• Mixed solution: Can combine the benefits of both models.

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3. Compare Multiple Offers

Approaching just one bank? Better not.

With MoneyPark, you can compare offers from over 100 providers – including personalised assessments of affordability, property valuation, and flexibility. This way, you’ll find the best overall package for your situation.

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4. Review the Contract Carefully

Pay special attention to:

• Costs for early termination
• Conditions for renewal or interest rate changes
• Coverage in case of emergencies
• Direct or indirect repayment – which suits you better?

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Conclusion: Your Path to Home Ownership – with the Right Support

The journey to owning a home is exciting but also complex. MoneyPark helps you keep track and find the mortgage that fits your personal situation.

Get your free, no-obligation consultation with Switzerland’s market leader now and take the next step!

https://www.moneypark.ch/ch/mp/en/landingpages/taxea.html?ecid=partner-marketingpartner-taxea-taxea-link-mortgage

Find more useful tips and exciting information about the Swiss mortgage market here.