Real Estate financing

Finance your dream property

Your journey to home ownership starts here!

We support you every step of the way and provide you with a tailored all-round solution: Mortgage, pension planning, and tax optimisation.

Simulate my purchase

In need of advice?

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Our best rates for your mortgage

SARON

2,06 %

5-YEAR FIXED RATE

1,85 %

10-YEAR FIXED RATE

1,89 %

More than 80 partners ready to support you
Logo of Valiant, financial institution partner of Strike
Logo of Baloise, financial institution partner of Strike
Logo of Credit Suisse, financial institution partner of Strike
Logo of UBS, financial institution partner of Strike
Logo of BCGE, financial institution partner of Strike
Logo of Basler Kantonalbank, financial institution partner of Strike
Logo of CLER, financial institution partner of Strike
Logo of BEKB, financial institution partner of Strike
Logo of Axa, financial institution partner of Strike
Logo of SwissLife, financial institution partner of Strike
Logo of Valiant, financial institution partner of Strike
Logo of Baloise, financial institution partner of Strike
Logo of Credit Suisse, financial institution partner of Strike
Logo of UBS, financial institution partner of Strike
Logo of BCGE, financial institution partner of Strike
Logo of Basler Kantonalbank, financial institution partner of Strike
Logo of CLER, financial institution partner of Strike
Logo of BEKB, financial institution partner of Strike
Logo of Axa, financial institution partner of Strike
Logo of SwissLife, financial institution partner of Strike

Your mortgage and more

Buying a property is a big step that will impact many aspects of your future life. Our support will allow you to:

  • Obtain the best mortgage rates and conditions;
  • Optimize your tax situation;
  • Ensure a stable financial situation regardless of what happens.
Finance Advisor
Finance Advisor
Finance Advisor
Finance Advisor
Finance Advisor
Finance Advisor
Finance Advisor
Finance Advisor
Finance Advisor

We are here to help you!

Free phone appointment without obligation

We are here to help you!

Free phone appointment without obligation

Simulate my purchase

Is the property of your dreams within your budget?

Fill in your information and get a quick estimation of your purchasing capacity.

CHF
CHF

Is the property of your dreams within your budget?

Fill in your information and get a quick estimation of your purchasing capacity.

Do you need personalized advice?

We are here to help and support you!

This data are provided for information purposes only and without warranty.

Discover their stories

Anna & David are happy because they obtained a very good rate of rate: 2.7% on the their 15-year rate mortgage thanks to the support of their Strike financial advisor.
Unfortunately, your income is insufficient
Acquisition

Anna and David fell in love with a house in the canton of Neuchâtel. Their bank and another bank refused to finance the property because they did not have enough income.

15-year fixed rate of 2.7%
CHF 2'400 of savings
Discover
Thomas & Sarah are happy because they obtained a very good rate of rate: 2.3% on the their 7-year rate mortgage thanks to the support of their Strike financial advisor.
High income? Don't miss any opportunities
Acquisition

These future parents with high incomes, wish to become homeowners and move to the countryside. We receive them to study their documents. We realize that their income allows them to support the theoretical expenses and that it is possible to optimize the equity contribution.

7-year fixed rate of 2.3%
CHF 9'700 of savings
Discover
Jonathan & Etienne are happy because they obtained a very good rate of rate: 2.7% on the their 10-year rate mortgage thanks to the support of their Strike financial advisor.
Think about your future as partners
Acquisition

Jonathan and Etienne have been a couple for 10 years. They are not married and are considered cohabitants. They wish to buy an apartment in the center of Fribourg and therefore get advice concerning their mortgage, their taxation and their providence.

10-year fixed rate of 2.7%
CHF 125'000 of savings
Discover

Any questions? We answer them!

A Strike advisor is carefully listening to his clients during an appointment, she is ready to answer all their questions.

In contrast to banks and other financial institutions, a mortgage broker like Strike is completely independent. Because we are not attached to any particular bank, we have no reason to favour one financial institution over another. Also, because of our partnership with over 30 financial institutions, we have access to a large number of offers, while a bank will only be trying to sell you their own product. Therefore, we can always act in your best interest and find the solution that best fits your needs.

You can estimate your purchasing capacity with our online calculator. If you wish to obtain a precise and accurate answer, we will be pleased to study your file during an interview. The first appointment is totally free and without obligation. Do not hesitate to contact us. 

A purchase involves two types of costs: 

  • The costs related to the deed of sale, including transfer duties, registration in the land register and the notary's fees
  • Costs related to the mortgage note, including registration fees, the entry in the land register and the notary's fees. 

The amount of all these fees varies according to the canton where the property is located.

 

 

A mortgage note is a piece of paper used as a guarantee for a mortgage loan. It assures the lending institution that the amount borrowed will be repaid. If the loan is not repaid, the mortgage note allows the lender to auction off the property acquired with the loan to recover the debt.

As a homeowner, your taxation is affected in two or three different ways (depending on the canton): 

  • The imputed rental value is subject to income tax. It is based on the income you could theoretically obtain if you were to rent out your property. 
  • Your property counts as wealth and is thus subject to wealth tax. 
  • Some cantons collect an additional property tax from owners. 

Becoming a homeowner will have a big impact on your tax situation for many years to come. Do not hesitate to discuss this with one of our financial advisors. 

You can in principle use all your 2nd pillar assets, but there are several restrictions (main residence vs. second home, only once every 5 years, minimal amount that must be withdrawn). In addition, specific restrictions apply if you are over 50. 

Withdrawing your pension fund assets has a drastic impact on your pension situation (death, disability, retirement). It is therefore recommended to discuss this decision with a financial advisor.