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Mortgages
Do you want to buy a property or change an existing mortgage? Are you in the construction phase and do you wish to convert your construction loan into a mortgage? Benefit from our many years of experience as capital lenders and from fair and risk-appropriate conditions.
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Attractive interest conditions for fixed mortgages as well as variable and mixed mortgages
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Particularly attractive starter mortgages for first-time buyers or those building their own homes
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Favourable interest conditions thanks to additional securities such as life insurance and pension fund credits
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Indirect and tax-optimized amortisation through the life insurance
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Overall advice including insurance and pensions
In the satisfaction survey by comparison service Comparis.ch, out of 18 credit institutes Helvetia was again given top marks – particularly for its attractive interest conditions and the competent advice of its employees.
The range on offer
Fixed mortgage
With a fixed mortgage, the interest rate remains constant for the agreed contract term of between two and 20 years. Several tranches are possible with various terms.
Adjustable-rate mortgage
With the adjustable-rate mortgage the interest rate can be adjusted in line with the current market situation with a notice period of three months.
Mixed mortgage
With the adjustable-rate mortgage the interest rate can be adjusted in line with the current market situation with a notice period of three months.
Starter mortgage
Anyone buying or building their first home for their own use can benefit from attractive special terms on interest rates, so they pay only 0.25 percentage points a year for three years. The minimum term (adjustable-rate mortgage and fixed mortgage) is five years.
More information
Good to know
Mortgage calculator
Calculate your mortgage online (German) and find out more about the viability of your financing solution.
Indirect repayment
Your mortgage is repaid indirectly through life insurance. At the same time, you and your family or your partner get the desired risk cover through the life insurance. What’s more, you benefit from attractive tax breaks.
Type of object
We finance residential properties for own use (detached and semi-detached houses, condominiums) and apartments.
Viability
A mortgage should be financially viable at all times. We work with you to develop a farsighted and viable financing solution that takes into account all aspects of your current life situation and your future plans.
Pension savings
Part of the old-age savings from the 2nd pillar can be withdrawn prematurely and used towards the financing of the desired residential property. This premature withdrawal is subject to tax, however, and will influence the pension benefits.
Diversifying and combining
So that you have the best possible risk diversification with your mortgage debt, a combination of various mortgage types (e.g. an adjustable-rate mortgage and a fixed mortgage) is often worthwhile.
Checklist – new mortgage financing
- Find out about the various types of mortgage (fixed mortgage, adjustable-rate mortgage, mixed mortgage).
- Get detailed advice – take as much time as you need.
- Make long-term calculations so that you are always on the safe side and are protected against nasty surprises. Make use of mortgage calculators from various sources.
- What is the best way for you to repay your mortgage? Do the comparison. The clever mode of indirect repayment saves taxes.
Equity - How much do I need
For the financing of owner-occupied residential properties, Helvetia requires a minimum of 20% of the investment costs or the value of the property in the form of your own funds. At least 10% of this must come from freely available savings.
Another part can be funded through an advance withdrawal from pension fund assets. The more equity you put in, the more comfortable your interest situation. Calculate your financial potential consult our professional Customer Advisors.
Existing mortgage - Can I transfer it to Helvetia?
As soon as the financing has been successfully reviewed by Helvetia and the contract documents have been legally signed by the borrower, the third-party mortgage can be discharged by Helvetia.
Here, it's important ensure that the commitment to be paid off is terminated correctly in line with the contract terms and that the mortgage titles serving as security can be transferred to Helvetia as the new mortgage creditor. Helvetia will not discharge any mortgages from third-party institutions in tranches.