Indicative fixed-rate mortgage rates in Switzerland, collected from lenders' public websites.

Parameters: duration_years (1–25, omit for best rate per term), bank (partial match), limit (1–30, default 10), lang (fr | de | en).

Example prompt: "What are the best 10-year fixed mortgage rates in Switzerland today?"

Weekly history of Swiss mortgage rates for one term (dataset starts June 2025).

Parameters: duration_years (required, 1–25), months (1–24, default 12), bank (optional lender curve; omit for market best, median, high, and change), lang.

Example prompt: "How have 10-year mortgage rates changed over the last 12 months?"

Checks Swiss home purchase affordability and computes maximum affordable price (20% own funds with min. 10% outside 2nd pillar, 5% stress interest rate, 1% maintenance, amortization to 65% within 15 years, max 33.3% debt-to-income).

Parameters: property_price_chf (required), own_funds_chf (required), gross_annual_income_chf (required), pension_funds_chf (default 0), interest_rate_pct (optional real rate), lang.

Example prompt: "Can I afford a CHF 1,200,000 apartment with CHF 300,000 own funds and CHF 180,000 income?"

Lists active independent mortgage brokers registered on neo-hypothèque with a contact_url (emails and phone numbers are never returned).

Parameters: canton, region, spoken_language (fr | de | it | en), competency, limit (1–30, default 10).

Example prompt: "Find a French-speaking independent mortgage broker in canton Vaud."

Searches apartments and houses for sale across Switzerland (up to 10 listings with original ad links + full search link on neohypo.com).

Parameters: location (required), property_type (apartment | house), price_min_chf, price_max_chf, rooms_min, living_area_min_m2, radius_km (up to 50), sort, limit (1–10), lang.

Example prompt: "Find 3.5-room apartments for sale in Lausanne under CHF 900,000."

Estimates the hedonic market value of a Swiss apartment or house via FPRE (2 free per month, then credits; refunded if an estimate cannot be produced; up to 25s). The assistant asks for missing inputs and never guesses.

Parameters: property_type (apartment | house), street, house_number, postcode, city, living_area_m2, rooms, build_year, floor (apartments), land_area_m2 & building_volume_m3 (required for houses, SIA 416), condition (new | good | needs_renovation), lang.

Example prompt: "Estimate my apartment at Quai de l'Arabie 2, 1800 Vevey: 42 m², 2.5 rooms, built 1970, 6th floor, good condition."

Sends a callback request to an independent neo-hypothèque broker strictly after your explicit confirmation in the conversation (consent=true).

Parameters: consent (required), kind, broker_id, project_type, property_location, property_price_chf, own_funds_chf, current_mortgage_chf, fixed_rate_end_date, estimate_chf, phone, email, message, preferred_language, lang.

Example prompt: "Ask a mortgage broker in Vaud to call me about refinancing my mortgage."