News and practical information from the world of mortgages and real estate.

Published on: September 29, 2025 | Reading time: 15 minutes On September 28, 2025, the Swiss electorate approved the abolition of the imputed rental value with 57.7 percent of the votes in favor. This marks the end of a decades-long dispute over one of the country’s most controversial tax rules. This article puts the result…

Published on: September 14, 2025 | Reading time: 15 minutes Owning a home in Switzerland means paying tax not only on income – but also on the privilege of living in your own four walls. The so-called imputed rental value (Eigenmietwert) has been one of the country’s most debated tax instruments for decades. In this…

Published on: August 19, 2025 | Reading time:15 minutes Key Messages The Swiss mortgage market is growing structurally, even though the homeownership rate remains low, visibly driving up private debt. At the same time, customer deposits cover a declining share of lending, which is why capital market-based refinancing via covered bonds (“Pfandbriefe”) is gaining importance.…

On June 19, 2025, the Swiss National Bank (SNB) lowered its key interest rate once again – down to 0.00%. This monetary policy decision presents a rare opportunity to benefit from exceptionally low mortgage interest rates. Homeowners and potential property buyers should take this chance to review their current financing and optimize it strategically. In…

Transferring homeownership within a family is a significant step both emotionally and financially. Whether through an advance inheritance, a gift, or a sale: anyone taking over a property from their parents faces a wide range of legal, tax, and financing questions. One key issue is how to handle the existing mortgage. Can it be taken…

Owning property in Switzerland is not just a personal decision – it’s also a significant financial factor, especially from a tax perspective. Those who use their property strategically can benefit from substantial tax savings year after year. However, this requires a solid understanding of the relevant rules and careful planning. Published on: May 12, 2025…

The dream of owning a home remains strong in Switzerland, but financing it is becoming increasingly challenging. High property prices, volatile interest rates, and stricter lending standards are leading more and more buyers to tap into their pension assets. A recent study by Raiffeisen Switzerland in collaboration with the ZHAW sheds light on this trend…

Digitalization is increasingly transforming the real estate industry. In particular, artificial intelligence (AI) is opening up new possibilities to evaluate properties more quickly, comprehensively, and data-based. But how reliable are AI-powered valuation models really? And what does their use mean for buyers, investors, and the financing of home ownership? Published on: April 29, 2025 |…

The current developments in the capital market are catching the attention of property buyers: Mortgage interest rates in Switzerland continue to fall – both for Saron-based and fixed-rate mortgages. This situation offers significant savings potential for both prospective homeowners and existing borrowers. The company Hypohaus AG provided its expert assessment on this topic in a…

If you own an older property or plan to purchase one, you’ll sooner or later face a strategic decision: Should you renovate, or is a complete rebuild the better solution? The answer is rarely clear-cut. It depends on a variety of factors – such as the condition of the property, building regulations, environmental goals, and…