Homegate variable-rate mortgage

  • Swiss adjustable-rate mortgage

  • Online mortgage

  • In cooperation with Zuercher Kantonalbank

General information:
Not specified.
Minimum amount:
CHF 100,000
Maximum amount:
CHF 1,500,000
Types of property:
Primary residence, Secondary residence, Holiday home
Types of financing:
New mortgage, Refinancing, First mortgage, Second mortgage, Direct amortization, Indirect amortization
Conditions and costs:

No mortgages are granted to US-Persons, persons with tax domicile outside of Switzerland and communities of heirs. Homegate does not finance real estate in agricultural zones and in building rights and does not grant mortgages if they are in the name of more than 2 persons.

Loan-to-value ratio:

The maximum loan-to-value for residential property is between 65 to 80 percent, and the maximum loan-to-value for vacation property is between 65 to 75 percent (depending on the property and income).

Affordability:
The mortgage costs must not exceed a third of your income.
Second mortgage:
Second mortgages are available.
Notice period:

No notice period.

Amortization:

Depending on credit-worthiness and type of property.

Interest charge frequency:
Not specified.

Special offers for Moneyland users

Moneyland Special Offers

Free bank account

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  • Banking partner: Swissquote & Postfinance

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  • Favorable foreign exchange rates

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Swiss Trading Platform

Cornèrtrader Special Offer

  • Special offer: particularly favorable conditions for Moneyland users

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  • Swiss online bank with FINMA license

Special offers for Moneyland users

Moneyland Special Offers

Free bank account

Yuh

  • No account fees

  • Banking partner: Swissquote & Postfinance

  • CHF 20 trading credit with code «YUHMONEYLAND»

Swiss Broker

Saxo Bank Special Offer

  • Special offer: Reimbursement of brokerage fees up to CHF 200 for 90 days

  • Licensed Swiss bank (FINMA)

  • Free expert research and trading signals

Funds

Allianz Fund Investments

  • Special offer with CHF 200 welcome bonus

  • No prior knowledge necessary: Advice from experts

  • One of the 10 largest asset managers worldwide

Swiss digital bank

Alpian

  • CHF 100 welcome bonus

  • Favorable foreign exchange rates

  • Multi-currency account with Visa card (CHF, EUR, USD, GBP) 

Swiss Trading Platform

Cornèrtrader Special Offer

  • Special offer: particularly favorable conditions for Moneyland users

  • No custody account fees for shares

  • Swiss online bank with FINMA license

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Free bank account

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No account fees