Get the best mortgage financing in Switzerland
In just 2 minutes, discover the mortgage financing solutions best suited to your project in Switzerland, thanks to a well-structured file with Ben right from the start.
What our clients supported by Ben say
"We were aiming for an apartment around 750,000 without knowing if it was realistic. Ben showed us a capacity of 783,000. Their broker came back with an offer at 1.32% over 10 years. Everything matched what we had seen."
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 his 15-year 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 need to move quickly but stay structured. I saw the capacity, the financing options, and the file was ready. It clearly makes the process easier."
Marc-Antoine Girard, in Geneva, for a rental apartment CHF 940,000 thanks to Ben.
"For 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, with a two-tranche structure. 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, above all, we knew exactly what steps would follow."
Anna & Lukas Müller, in Winterthur, for an apartment at CHF 1'060’000 thanks to Ben.
"We had to sell and then buy back. Ben simulated both scenarios and our borrowing 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 discussion with the bank. It’s efficient and very clean. I can only recommend them wholeheartedly!"
Christine & Alexandre Vuillemin, in Zug, for a villa CHF 4,240,000 thanks to Ben.
We compare the terms of more than 17 Swiss banks to find you the best mortgage.
How do I get my mortgage financing?
Our simulation of the best mortgage financing starts with an analysis of your situation based on Swiss banks’ criteria, in order to produce an estimate that’s ready to be presented to one of our mortgage brokers. It’s really simple, you just have to let yourself be guided!
Analysis
We analyze your financial situation and your real estate project to assess your borrowing capacity and the feasibility of the financing. You quickly get a clear view of your budget and the possible options.
Preparation
Your file is structured to present your project in the best possible way. Income, expenses, and equity are taken into account to prepare a solid mortgage financing application.
Financing
One of our mortgage brokers then takes over to negotiate the terms with the institutions best suited to your profile. You are supported all the way through to securing the financing and signing at the notary’s office.
Our
advantages
Unlike a bank, Ben compares offers from multiple institutions to provide you with the best possible terms.
| Ben | Bank | |
|---|---|---|
| Mortgage pre-approval in under 48 hours | ||
| Instant online simulation | ||
| Comparison of 17+ Swiss banks | ||
| File optimization before submission | ||
| Mortgage rate negotiation | ||
| Personalized support and guidance | ||
| 100% digital file | ||
| Transparency about fees | ||
| Follow-up through to the notary | ||
| Free service |
The 4 advantages of arranging your mortgage financing before viewing properties
1. A clear view of your budget
Before looking for a property, Ben analyzes your situation to estimate your borrowing capacity and the possible real estate financing for your project. This way, you know what type of property truly matches your budget.
2. A file already prepared
Ben helps you prepare and structure your file right from the start. As your project moves forward, all the necessary information is already gathered, which makes the process easier for our brokers when dealing with financial institutions.
3. Access to suitable facilities
By analyzing your situation, Ben directs you to the broker from our team who is best suited to your profile and your real estate project. This makes it easier to identify the most relevant mortgage financing solutions.
4. A simpler and faster project
With financing arranged in advance, the process is smoother when you find the property that suits you. Your real estate project can then move more quickly toward securing the funding.
Ben in numbers
The keys to successfully
financing your mortgage
With Ben, your mortgage financing is prepared and structured so you can move forward with your real estate project with peace of mind.
Understanding your borrowing capacity
Before starting a real estate project, it is essential to know what financing is actually possible. Ben analyzes your financial situation in order to estimate your borrowing capacity and the feasibility of the project. Your income, expenses, equity, and the stability of your situation are taken into account to obtain a realistic view of the mortgage financing that may be available. This initial analysis helps avoid rough estimates and gives you a clearer understanding of your actual property budget. That way, you know what type of property matches your situation, allowing you to move forward with the rest of the project with greater clarity and confidence.
Set a realistic property budget
A real estate project always begins with defining an appropriate budget. Thanks to the analysis carried out by Ben, you get a clear estimate of the financing available for your property project in Switzerland. This step makes it possible to understand the level of mortgage financing you can access and to avoid looking for properties that do not match your borrowing capacity. By knowing your budget from the outset, your search becomes simpler and more efficient. You can focus on properties that are truly within reach. This clear view of your budget also makes it easier for our brokers to discuss your case with financial institutions.
Structuring your financing properly
The structure of mortgage financing plays an important role in the conditions you obtain. Ben helps you organize your project so you can present financing that is coherent and tailored to your situation. The term of the loan, the chosen strategy, and the way the project is presented can all influence how lenders assess it. A good structure makes it easier to understand the project and to optimize the terms offered. This preparation also helps avoid some common mistakes in real estate projects. The goal is for us to put together solid, long‑term financing.
Prepare a strong application
A well-prepared file is a key element in a real estate financing project. Gathering and structuring the necessary information has never been as simple and fast as with Ben, to present your project in the best possible way. Income, expenses, equity and details of the property project are organized to make it easier for financial institutions to analyze. When the file is well structured, the review of the mortgage financing is generally faster and smoother. This preparation also allows you to better defend your project. It greatly increases the chances of obtaining good terms that are suited to your situation.
Identify suitable facilities
Not all banks or institutions offer the same real estate financing solutions. Here, you receive support to identify the institutions best suited to your profile and your property project. Depending on the situation, some institutions may offer more attractive terms or ones better adapted to the type of financing you are looking for. The goal is to direct your application to the most relevant institutions. This approach helps avoid multiplying unnecessary procedures. It also makes it easier to find mortgage financing that is truly tailored to your project.
Optimize the conditions of financing
Getting mortgage financing is not just about finding a bank willing to fund the project. The way the application is prepared and presented can have a major impact on the terms you are offered. Ben helps you structure your financing in order to optimize the conditions of your home loan. Comparing options and organizing the project properly often makes it possible to obtain more suitable financing. The goal is to find a balance between the property project, your financial situation, and the financing terms.
Move forward calmly towards the purchase
When financing is prepared in advance, the entire real estate project becomes easier to manage. You know your borrowing capacity and the possible financing solutions even before making an offer on a property. This preparation allows you to approach viewings and procedures with greater peace of mind. When you find a property that matches your plans, the process can move more quickly toward obtaining mortgage financing. This helps bring the real estate project to fruition under the right conditions.
Frequently
Asked Questions
For more questions, visit our help center.
How can I know if I can get a mortgage loan?
Is it possible to prepare my application before finding a property?
Why prepare your mortgage financing before buying?
What factors influence real estate financing?
Is it mandatory to contact a bank directly?
Will my real estate project remain confidential?
Is it complicated to arrange your financing with Ben?
At what point should you use Ben in a real estate project?
How can you calmly prepare your mortgage financing?
Ben supports you from A to Z with your project: from preparing your file all the way to securing your mortgage financing. You move forward step by step with a clear view of your financing and the procedures to follow.