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

Inheriting a property often raises a crucial question: should the inherited property be rented out or sold? Let’s be clear from the outset: this decision is complex and depends on various factors. Renting or selling? A guide The first step is to carry out a thorough financial analysis of the initial situation. All running costs…

If you want to take out a mortgage, sooner or later you will come across the terms “1st mortgage” and “2nd mortgage” during a consultation with your advisor. Have you ever wondered what this is all about? Or do you already have a mortgage and assume that you are already very familiar with the subject?…

The decision between renting and buying: making an informed choice The choice between renting and buying a property is a crucial milestone in adult life. Making a well-considered decision that takes into account many different factors is of great importance. In this blog post, we will thoroughly analyze the advantages and disadvantages of renting and…

Introduction What are the risks of buying a house and the associated mortgage? The average debt per capita in the form of mortgage loans in Switzerland is a multiple of the respective assets. It is obvious that this circumstance is associated with considerable risks. What these risks are and how you can prevent and counteract…

The use of pillar 3a to provide for home ownership The pillar 3a of retirement planning offers the possibility to use the saved capital for the purchase or financing of a home. This blog post explains the rules, opportunities and risks of this form of retirement planning and explains the special features of Pillar 3a.…

What happens to the property in the event of a divorce? It is unpleasant, but nevertheless necessary to think about such scenarios, because when a couple separates, many questions often arise regarding the joint property. In the following we would like to show you which questions should be clarified before the marriage so that a…

When you think of the costs of buying a property, interest costs and amortisation come to mind quite quickly. However, public charges such as taxes and fees are often forgotten. In this blog entry, we would like to explain the one-off and recurring costs involved in buying a home, so that you don’t get any…

Have you ever dreamed of buying a holiday home in the Swiss mountains or a holiday flat in Ticino, Switzerland’s sunniest region? You are not alone. In the wake of the Corona crisis, the demand for holiday properties in Switzerland has been higher than ever. But what does it actually take to realise your own…

An early withdrawal from the pension fund is a common way of obtaining the necessary equity capital for the purchase of residential property. However, various legal rules must be considered, which we would like to point out in this blog entry. General information on pension funds: The pension system in Switzerland is based on three…

The energy crisis triggered by the war in Ukraine could have expensive consequences for homeowners in Switzerland. Rising prices and scarce resources require a serious look at one’s own energy consumption – especially in the current and upcoming season. In view of a possible energy shortage in winter, the federal government has already launched a…