Swiss mortgage calculator: simulate your borrowing capacity
Find out in 2 minutes how much you can really borrow. Our mortgage calculator checks whether your project is feasible according to the criteria applied by Swiss banks.
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 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 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 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, 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 which 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 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 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 the best mortgage for you.
How does our mortgage calculator work?
Our Swiss mortgage calculator, using our mortgage calculation tool, analyzes your situation according to the criteria of Swiss banks to produce an estimate that is ready to be presented to one of our brokers.
Calculation
In 2 minutes, you’ll find out whether your project can be financed thanks to our mortgage calculator. Get an estimate of your borrowing capacity and see your property budget based on the banking criteria applied in Switzerland. Our mortgage calculator tells you instantly what is possible and why.
Analysis
The results of your mortgage simulation are analyzed to structure your file and identify areas for optimization. Income, expenses, equity and stability are examined to secure your borrowing capacity before any introduction to a lender. You see everything clearly and move forward with a clear, well‑controlled view of your situation.
Support
Once your project has been clarified, we direct you to one of our mortgage financing experts suited to your profile. Their role is to avoid refusals, negotiate the rate, and coordinate everything with the best bank. You have a single point of contact until your mortgage is approved, and even up to the notary if needed.
Our
advantages
Unlike a bank, Ben compares offers from several 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 | ||
| Negotiating the mortgage rate | ||
| Personalized support and guidance | ||
| 100% digital file | ||
| Transparency about fees | ||
| Follow-up through to the notary | ||
| Free service |
The 4 checks our Swiss mortgage calculator performs before any application
1. Your borrowing capacity
Our mortgage calculator estimates your borrowing capacity based on your income, expenses, and own funds. This mortgage calculator uses a conservative theoretical interest rate as well as the amortization rules applied in Switzerland to assess the real feasibility of your property project. This way, you know your budget envelope before any approach to a bank and can move forward on a clear and structured basis.
2. The debt ratio in 2026
The mortgage calculator checks that your financial burden remains consistent with the standards generally accepted in Switzerland, around 33 to 35% of gross income. Each institution applies its own criteria, but our estimate lets you know immediately whether your situation complies with common banking practices. You understand where you stand and can adjust your plans accordingly.
3. The loan term, a powerful lever
The term directly affects your borrowing capacity and the overall balance of your financing. Our Swiss mortgage calculator simulates different scenarios to measure the impact of adjusting the term on your monthly payment and your affordability. This way, you can identify possible levers before making any final decision.
4. Your existing commitments
A lease, a consumer loan or other commitments can reduce your borrowing capacity. The mortgage calculator takes these elements into account to assess your situation as a whole and avoid unpleasant surprises when your application is reviewed. Every detail is included to strengthen the solidity of your real estate project.
Ben in numbers
Guide to the
Swiss mortgage calculator
Before visiting a property or making an offer, you need to know your exact borrowing capacity. Our mortgage calculator lets you estimate your real estate financing and run a simulation based on the criteria used by Swiss banks.
Introduction
Before visiting a property or making an offer, it’s essential to know exactly how much you can realistically borrow. Our Swiss mortgage calculator lets you anticipate your borrowing capacity according to the rules applied by banks in Switzerland. Income, expenses, equity, theoretical rate, amortization: these elements determine whether a real estate project is truly feasible. Many buyers rely on rough estimates and only discover the limits imposed by banks when it’s too late. Using a reliable mortgage calculator means moving forward with a clear, structured vision that’s aligned with banking standards. The goal is not just to obtain a figure, but to secure your project right from the start.
How does a Swiss mortgage calculator work?
Behind every estimate lies a very specific analysis method. In Switzerland, banks assess the soundness of a loan based on several combined criteria. Our mortgage calculator factors in your income, your existing expenses, your own funds, as well as a cautious theoretical rate that is often higher than the market rate. It also takes into account mandatory amortization and the estimated costs related to the property. A good mortgage calculator does not try to display the highest possible amount, but rather to verify that your project remains sustainable in a realistic scenario. This way, you obtain a consistent estimate of your monthly payments and your borrowing capacity in Switzerland.
Why can two simulations give different results?
Not all simulation tools are based on the same method. Some simulators rely on simplified calculations based only on gross income and an attractive rate. A more structured Swiss mortgage calculator also analyzes the debt ratio, the origin of the equity, and the overall consistency of the property financing. These parameters can significantly change the final result. This is why two simulations can show different amounts for the same profile. The closer the analysis is to actual banking practices, the more reliable and useful the estimate will be.
Equity capital: a key element in the calculation
In Switzerland, equity capital has a direct impact on borrowing capacity. However, its origin is just as important as its amount. Personal savings, 2nd pillar, 3rd pillar, early withdrawal or pledging: each solution is assessed differently by banks and does not have the same impact on the financing structure. A comprehensive mortgage calculator takes these distinctions into account to simulate several scenarios and identify the most coherent configuration. Anticipating these factors helps avoid last-minute adjustments when the application is being reviewed.
Borrowing capacity: why traditional simulations are misleading
Many simulations are based solely on the rate displayed on the market. However, banks generally apply a higher theoretical rate in order to test the robustness of the financing in a less favorable context. They also factor in mandatory amortization, existing expenses, and costs related to the property. Without this cautious approach, the estimated budget can appear more comfortable than it will actually be. Our Swiss mortgage calculator reproduces these assessment criteria to provide an estimate that is closer to how banks really calculate.
Anticipate how your financing will evolve
A real estate project doesn’t end with the purchase. Your financial situation can change: a change in salary, the birth of a child, a new loan, or a professional transition. Understanding these mechanisms right from the simulation stage allows you to structure more sustainable financing. You identify your possible room for maneuver and the long-term points to watch. In this context, our Swiss mortgage calculator becomes a strategic planning tool, not just a calculation tool.
Renewal and renegotiation (the step that changes everything)
In Switzerland, a mortgage is never completely fixed. When a tranche reaches maturity, it is possible to renew, adjust, or renegotiate the financing structure according to market conditions and your personal situation. What really makes the difference at that point is not only the economic context, but the strength of your file: updated income, expenses, equity, and the value of the property. Running a new simulation of your situation using a Swiss mortgage calculator allows you to approach a renewal with greater clarity, anticipate possible scenarios, and negotiate with a well-structured view.
Frequently
asked questions
For more questions, visit our help center.
Why use our Swiss mortgage calculator with Ben?
Why use a mortgage calculator before viewing a property?
What is the difference between a mortgage calculator and a simple simulator?
Is Ben’s Swiss mortgage calculator reliable?
Is the Swiss mortgage calculator free and without obligation?
Why go through Ben instead of using a banking tool?
Can I use the Swiss mortgage calculator if my situation is complex?
How much is your borrowing capacity in Switzerland?
Estimate your real estate financing with our Swiss mortgage calculator and get a structured simulation based on the analysis rules used in Switzerland.