What if your property could cost you much less in the long run?
Buying or refinancing a home is often the biggest investment of your life.
But the difference between a good and a bad mortgage can mean tens of thousands of francs saved over the years.
Each bank, insurance company, and pension fund offers different conditions, interest rates, and lending models.
My role is to help you find the ideal solution, based on your personal situation, tax profile, and long-term goals.
I’m Mathias Sudres, an independent, FINMA-registered financial and insurance advisor specializing in pension planning, financing, and wealth strategy.
I work with over 30 financial institutions across Switzerland — banks, insurance companies, and pension funds — to provide a neutral, comprehensive comparison.
My goal: to make sure you get the lowest possible rate while keeping the flexibility you need for the future.
Types of mortgages in Switzerland
- Fixed-rate mortgage
The rate remains unchanged for the entire term (2, 5, 10, or 15 years).
✅ Security and predictable payments
❌ Less flexibility if rates drop
- Variable-rate mortgage
The rate adjusts according to market fluctuations (LIBOR / SARON).
✅ Advantageous when rates are low
❌ Must anticipate potential rate increases
- SARON or mixed mortgage
A flexible combination — part fixed, part variable.
Perfect for those who want to benefit from low rates while staying partially protected.
A concrete example
For a property worth CHF 900,000 with 20 % down payment:
You borrow CHF 720,000.
A difference of only 0.5 % in interest equals around CHF 3,600 saved per year, or more than CHF 36,000 over 10 years.
That’s why comparing — objectively and independently — really matters.
My approach: transparent, independent, and comprehensive
Step 1 — Personalized analysis
Review of your financial situation, income, savings, and tax position.
Step 2 — Multi-bank comparison
Search and negotiation for the best rates and conditions (banks, insurers, pension funds).
Step 3 — Simulation and optimization
I present several scenarios — fixed or variable rates, direct or indirect amortization, tax effects, flexibility options.
Step 4 — Full administrative support
I handle all communication with banks, insurers, and notaries until final approval.
Why work with an independent advisor?
Unlike a bank, I represent you, not an institution.
My job is to secure the best financing on the market, without bias or hidden interest.
- Access to a wide banking and insurance network
- Save time — one analysis covers all lenders
- Clear and transparent comparisons
- Direct negotiation with institutions
- Integrated tax and pension advice (e.g. amortization via the 3rd pillar)
Who can benefit?
- First-time homebuyers (main or secondary residence)
- Refinancing / mortgage renewal
- Equity buyout or inheritance division
- Investment property or rental project
- Swiss residents and cross-border workers (I compare offers for both profiles)
Frequently Asked Questions — Mortgage Financing in Switzerland
Generally, 20 % of the property price, of which at least 10 % must come from non-pension funds.
Yes. Your 2nd pillar (LPP) or 3rd pillar (3A) can be used to increase your down payment or repay part of your loan. I’ll show you how to do it without compromising your retirement plan.
Direct: you repay the loan capital annually → the debt decreases. Indirect: you invest in a 3rd pillar, which will repay the loan later → with tax benefits. I’ll help you determine which method is most profitable for you.
On average 1–3 weeks, depending on the complexity of your case. I manage the process until final approval.
Yes — several banks offer dedicated products for French residents working in Switzerland, with specific conditions.
That’s the perfect time to renegotiate. I compare renewal offers and can often secure a better rate before the maturity date.
Mortgage rates depend on market conditions (SARON, inflation, SNB policy). I help you choose the right moment and duration based on your risk tolerance.
Not necessarily. Insurance companies and some pension funds often offer lower rates than banks. That’s why I compare the entire market for you.
Typically: Salary slips / tax returns AVS or 2nd-pillar statement Bank statements Property description / valuation / financing plan I help you build a complete, professional file to maximize approval chances.
Yes — completely. It’s an informative, confidential, and no-obligation session. You leave with a clear comparison and personalized recommendations.
Choosing your mortgage is one of the most important financial decisions of your life.
The right guidance can help you gain security, flexibility, and major savings.
Take 30 minutes to review your financing strategy.
A free, no-obligation consultation could save you thousands of francs.
