A trusted advisor for your mortgage

We connect you with the best experts to finance your property in Switzerland.

100% free • No commitment • Response within 48h
Header image

Interest rates displayed are indicative only and reflect the most competitive terms currently available. Your actual rate may vary depending on loan-to-value ratio, debt service capacity, loan amount, and property location.

How it works

  • Step illustration
    Answer a few questions
  • Step illustration
    Get connected with a mortgage advisor
  • Step illustration
    Get your first consultation

Don't know where to start?

Feature icon

Buying a property

First purchase or new financing. We first validate your budget and your capacity.

More information

Estimate my capacity
Feature icon

I renew

Your mortgage is coming due. Do not sign the renewal letter before comparing.

More information 

Compare before signing

Advisors and Brokers in Mortgage Financing

  • Emoji icon 1f510.svg

    Your data is safe.

    They are shared only with 1 to 5 approved advisors, according to your choice. Never resold.

Why choose our platform?

Our free matchmaking service allows you to quickly find the ideal mortgage advisor for your project. We have created the largest directory of certified advisors in French-speaking Switzerland, evaluated by real clients.

  • Geographic proximity

    • Find an expert near you
    • In-depth knowledge of the local market
    • In-person meetings possible

  • Transparent rating

    • Verified review from previous clients
    • Detailed comments on services
    • Continuous updating of ratings

  • Wide range of specializations

    • Independent advisors
    • Traditional bank
    • Specialized institutions

Objective better mortgage: Rates, calculators, and advice

Calculate, compare, and save. Neo-mortgage guides you to find the ideal offer.

  • Current mortgage rates

    Comparison of Swiss mortgage rates
    More

  • Estimate your real estate

    Discover the value of your real estate for free and get a first idea of a market-compliant price.
    More

  • Mortgage rates barometer

    Subscribe to the mortgage rates barometer
    More

  • neohypo.com/

    Our AI hunter detects new listings as soon as they are published, analyzes them, and sends you qualified ones. You contact the seller first — not tenth.
    More

The 4 essential points to understand before applying for a mortgage

The principle

In Switzerland, the vast majority of real estate purchases are financed by a mortgage. This is a loan granted by a financial institution, secured by the property itself: in case of default, the bank can enforce its rights on the property. It is this guarantee that allows borrowing significant amounts on favorable terms.
More

Financing

Generally, a Swiss bank can finance up to 80% of the property value. The buyer must therefore have at least 20% of equity to complete the financing. The amount granted, the rate, and the conditions of the credit then depend on several factors: household income, overall financial capacity, property value, and location.
More

The mortgage note (schuldbrief)

Setting up a mortgage involves creating a mortgage bond. This legal document formalizes the bank's lien on your real estate and constitutes the formal guarantee of the loan. The bond is established when signing the sales deed with the notary and remains registered in the land register as long as the credit is ongoing.
More

The role of the broker

Each bank applies its own granting criteria, rates, and conditions. Differences between institutions can be significant. With your dedicated broker on neo-hypotheque.ch, your file is carefully analyzed and prepared, then submitted to several partner banks in parallel. The goal: maximize your chances of obtaining a mortgage, under the best market conditions.
More

Frequently Asked Questions (FAQ)

Submission Successful

The form has been successfully submitted.

English 🇺🇸🇬🇧