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

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…

Buying or selling residential property is one of the most significant financial decisions in life. In addition to the actual purchase or sale price, a variety of additional costs must be taken into account. In this article, we provide a detailed overview of the various fees and ancillary costs associated with real estate transactions, along…

The Swiss National Bank (SNB) lowered the key interest rate by 0.25 percentage points to 0.25% on March 21, 2025. This decision has far-reaching consequences for financing conditions in Switzerland, particularly for mortgages. But what does this rate cut mean for homebuyers, existing mortgage holders, and investors? In this blog post, we analyze the key…

Whether you are modernizing your home or planning a comprehensive renovation, the success of your project largely depends on choosing the right partners. In addition to skilled craftsmen, financing partners also play a crucial role in ensuring that your project is optimally executed. But how do you find reliable professionals who work professionally and offer…