SARON 3M0.74%Fixed 5 yearsfrom 1.32%Fixed 10 yearsfrom 1.47%Fixed 15 yearsfrom 1.65%Indicative rates · Swiss market · 2026-11-06SARON 3M0.74%Fixed 5 yearsfrom 1.32%Fixed 10 yearsfrom 1.47%Fixed 15 yearsfrom 1.65%Indicative rates · Swiss market · 2026-11-06

Your English-speaking mortgage broker in Switzerland.
See what is really possible.

FINMA-registered mortgage broker in French-speaking Switzerland: a personal analysis in 3 minutes, in English, no documents, no commitment.

Free No commitment 100% confidential

Some of the lenders we compare

UBS Raiffeisen Migros Bank Swiss Life Baloise Pax Bank Cler BEKB | BCBE Luzerner Kantonalbank Graubündner Kantonalbank

And 20 more partner banks and insurers

About me

Who you will be working with

Marc Saugy, founder of Hypoteka
Marc Saugy
Founder of Hypoteka · Yverdon-les-Bains

"I'm an independent mortgage broker. I take you through the Swiss rules and the banks, in English, from the first call to the signature."

Financial Planner (Professional Bachelor)
Registered and independent
BX register MS49522 · FINMA no. F01552576

I'm not tied to any bank. I compare more than 30 banks and insurers for your file and show you the offers side by side.

30+ banks and insurers compared
In English, start to finish
Vaud, Geneva, Fribourg, Neuchâtel, Valais

The analysis, the calls and the follow-up with the banks are in English. Official documents are in French: I explain them to you.

Free · No commitment

5.0 on Google · Read our reviews (in French) →

In 3 minutes

How does it work?

Calculate how much I can borrow →

Guides

Guides for expats

Frequently asked questions

You may be wondering

Do you speak English?
Yes. The whole process can be done in English: the analysis, the call and the follow-up with the banks. Official documents (deed of sale, land registry) are in French, and I explain them to you.
Can I buy a home in Switzerland as a foreigner?
It depends on your nationality and permit. EU/EFTA nationals living in Switzerland and holders of a C permit buy like Swiss buyers. Non-EU nationals with a B permit can buy the home they live in as their main residence. Cross-border commuters from the EU/EFTA can buy a second home near their workplace. A tightening of the Lex Koller is under discussion in 2026.
How much can I borrow?
Banks lend up to 80% of the property value, and the imputed costs of the mortgage (interest at 5%, amortisation and maintenance) must stay below one third of your gross income. Our free Swiss mortgage calculator applies these rules to your figures.
How much equity do I need?
At least 20% of the price, of which at least half must not come from your pension fund. Buying costs (in Vaud about 4 to 5% of the price) come on top.
How are you paid?
The service is completely free for you. We are paid a commission by the lender you choose, only if your mortgage goes ahead. You never pay us, and it does not change the rate you get.
How long does the analysis take?
3 minutes to answer the questionnaire, then a personal reply within 24 hours.
My bank has already said no. Can you still help?
Often, yes. One bank saying no does not mean every bank will. Each lender has its own criteria, so we can review your file and present it to the lenders that best fit your situation.
Is my data confidential?
Yes. Your information is only used to analyse your file and is never sold or shared with third parties.
Which regions do you cover?
All of Switzerland, with a focus on French-speaking Switzerland: Geneva, Vaud, Neuchâtel, Fribourg, Valais and Bern, from our office in Yverdon-les-Bains.
FINMA-registered BX register FINMA no. F01552576 French-speaking Switzerland

Your project deserves an expert view.

3 minutes. No documents. In English.

Start my free analysis →

No commitment · Data protected · Reply within 24 hours