Prepare your mortgage and find out how much you can borrow
In 2 minutes, prepare your mortgage application and find out how much you can borrow before visiting a property. Your file is structured by Ben and sent to one of our experts to obtain your mortgage loan.
What our clients supported by Ben say
"We were aiming for an apartment around 750,000 without knowing if that was realistic. Ben showed us we could go up to 783,000. Their broker came back with an offer at 1.32% over 10 years. Everything matched what we had been told."
Camille & Luis Rochat, in Renens, financed their first purchase of CHF 783,000 thanks to Ben.
"My bank was talking about a rate around 1.65%. With Ben, the file was ready and the broker got 1.48% over 15 years. I already understood the steps and the documents required, so it all went very quickly. I highly recommend them!"
Laura Favre, in Yverdon, saved CHF 38,423 over the term of their mortgage.
"For financing of around 6.2M, I wanted to compare options without multiplying meetings. Ben prepared the complete file. It was approved in less than 2 weeks by their broker. Very clear process."
Mr & Mrs Baumann, in Küsnacht, for a property of CHF 6,230,000 thanks to Ben.
"For an investment, you have to move fast but stay structured. I saw the capacity, the financing options, and the file was ready. It clearly simplifies the process."
Marc-Antoine Girard, in Geneva, for a rental apartment of CHF 940,000 thanks to Ben.
"On financing of approx. CHF 1.9M, we received several scenarios even before speaking to the banks. The selected offer was at 1.38% over 10 years, structured in two tranches. Very neat."
Caroline Becker & Laurent Piguet, in Nyon, financed their second purchase of CHF 1,920,000 thanks to Ben.
"We had already spoken with our bank in Zurich, with an offer of around 1.62% over 10 years. The file was structured and a local broker took over. We signed at 1.34% and, most importantly, we knew exactly what steps would follow."
Anna & Lukas Müller, in Winterthur, for an apartment in CHF 1,060,000 thanks to Ben.
"We had to sell and then buy back. Ben simulated both scenarios and our capacity at CHF 1.2M. The final financing was done at a fixed 1.39%. Seeing the steps in advance spared us a lot of stress."
Sophie & Nicolas Rey, in Lausanne, have changed their residence to CHF 1,200,000 thanks to Ben.
"It wasn’t so much the rate as the visibility on the process that convinced me. Our file was structured before any discussions with the bank. It’s efficient and very professional. I can only recommend them wholeheartedly!"
Christine & Alexandre Vuillemin, in Zug, for a villa in CHF 4,240,000 thanks to Ben.
We compare the terms of more than 17 Swiss banks to find you the best mortgage.
How can you get your mortgage easily?
Before buying a property, knowing your borrowing capacity with a bank pre-approval is essential so you can prepare your file and be ready for viewings. With Ben, you know in 2 minutes how much you can borrow and under what conditions.
Borrowing capacity
Before you start looking for a property, it’s best to have a clear picture of where you stand. Understanding how much mortgage you can afford lets you know what kind of property you can realistically buy and helps you avoid unpleasant surprises.
Strong case
A mortgage in Switzerland is based on a solid file. Ben helps you structure your file for obtaining your Swiss mortgage loan, with all the necessary elements so that the banks can analyze your situation more easily and more quickly.
Mortgage offer
Your file is forwarded to one of our mortgage brokers, who compares the terms offered by several Swiss banks. You will then be able to move ahead with your property project with peace of mind and make an offer knowing that your financing is already structured.
Our
advantages
Unlike a bank, Ben compares offers from several institutions in order to offer you the best possible terms.
| Me | Bank | |
|---|---|---|
| Mortgage pre-approval in under 48 hours | ||
| Instant online simulation | ||
| Comparison of 17+ Swiss banks | ||
| File optimization before submission | ||
| Negotiating the mortgage rate | ||
| Personalized support and guidance | ||
| 100% digital file | ||
| Transparency about fees | ||
| Support all the way through to the notary | ||
| Free service |
The 4 key things to understand before applying for a mortgage
1. The principle of a mortgage
In Switzerland, most property purchases are financed through a mortgage. This is a loan granted by a bank to finance the purchase of real estate. This Swiss mortgage loan is secured by the property itself, which means the bank uses the home as collateral for the mortgage loan.
2. Financing the property
In general, a mortgage can be used to finance up to around 80% of the value of the property. The buyer must therefore contribute part of the price from their own funds. The structure of a Swiss mortgage loan then depends on several factors such as income, financial situation, and the value of the property.
3. The mortgage note
When a mortgage is set up, a mortgage certificate is generally created. This certificate serves as collateral for the bank and formalizes the link between the property and the Swiss mortgage loan. It is established at the time of signing at the notary’s office.
4. The role of banks
Each bank applies its own conditions for granting a mortgage. With Ben, your file is prepared and then reviewed with one of our financing brokers, who compares the terms of several Swiss banks in order to increase your chances of obtaining a mortgage on the best possible terms.
Ben in numbers
Everything you need to know about
mortgages
Understanding the rules of mortgages, knowing how to get one, and staying well organized is often the key to a successful real estate project.
Introduction
Getting a mortgage in Switzerland is not necessarily complicated. But understanding how property financing really works is. Mortgage rates, borrowing capacity, equity, and loan structure remain unclear for many buyers. This lack of visibility can be costly. A poorly structured file or one submitted too early can limit the conditions offered by banks and reduce your room for negotiation over several years. The problem is not access to home loans in Switzerland. The problem is not knowing how your file will be assessed before a lender or mortgage broker takes a position. That’s why our mortgage simulation allows you to anticipate banking criteria, estimate your borrowing capacity, and secure your property financing right from the start.
Mortgage structures (what no one really explains)
In Switzerland, choosing between a fixed-rate mortgage, SARON, or a mixed structure directly affects your property budget and your exposure to mortgage rates. Yet many buyers base their decision solely on the rate displayed at the time of their search. However, the loan term, the amortization, and the overall strategy are just as decisive. A suitable structure depends on your job stability, your intended holding period, and your risk tolerance. Comparing these options using our home loan simulation lets you see the real impact on monthly payments and the total cost of financing. It’s not just a question of rates, but of overall consistency.
What is a mortgage in Switzerland?
A mortgage is a loan granted by a bank or financial institution to finance the purchase of a property. This Swiss mortgage loan is secured by the property itself: if the borrower fails to repay, the bank has a claim on the financed home. In the vast majority of real estate purchases in Switzerland, individuals use a mortgage to finance their project. The amount of the mortgage loan depends mainly on the value of the property, the buyer’s own funds, and their financial capacity.
How much can a mortgage finance?
In Switzerland, a mortgage generally allows you to finance up to 80% of the property’s value. The buyer must therefore contribute around 20% in equity. The structure of a Swiss mortgage loan is often divided into several parts. The first part covers the largest share of the financing, while the second can be repaid gradually. The ability to obtain a Swiss mortgage also depends on several criteria assessed by the banks: income job stability equity property value
The role of the mortgage schedule
When setting up a mortgage in Switzerland, a mortgage certificate is generally created. This certificate represents the collateral used by the bank to secure the Swiss mortgage loan. The mortgage certificate is recorded in the land register and formalizes the link between the property and the mortgage loan. Today, it is most often issued in electronic form. This step is part of the procedures carried out when signing at the notary’s office.
Compare mortgages in Switzerland
Not all banks apply the same conditions for a mortgage in Switzerland. Rates, terms, or conditions can vary from one institution to another. For example, a UBS mortgage may offer a different structure than that of another bank. That’s why buyers use our mortgage comparison tool to analyze the various offers available for their Swiss home loan. At Ben, your file is prepared in advance so that one of our brokers can review several solutions with the banks and guide you towards the offers that best match your situation.
Prepare your mortgage before buying
Taking the time to prepare your project allows you to approach your property purchase with greater clarity. A mortgage in Switzerland is based on a solid file and a good understanding of your borrowing capacity. With Ben, your file is structured in advance to make it easier to assess your Swiss mortgage application and to help you move forward more confidently with your property project together with our financing experts.
Frequently
Asked Questions
For more questions, visit our help center.
How does Ben work to prepare my mortgage?
Do I need to have already found a property?
Is Ben a bank?
Why should I prepare my application with Ben?
Why go through Ben before contacting a bank?
Who is Ben addressing?
What do I actually gain by going through Ben?
Can Ben help me even if my application isn’t “perfect”?
Ready to find out how much you can borrow for your future property?
Answer a few questions about your situation in 2 minutes and get an estimate of your borrowing capacity. Your file can then be reviewed by one of our brokers to compare the terms offered by several Swiss banks.