Make your real estate project a reality with the best financing
From the first feasibility study to the final signature, I build the financial structure of your future assets with Swiss rigor.
Free first meeting • Quick feasibility study
The path to your property
At every step, I inform you, explain things, and support you — so you can make your decisions with full confidence.
Feasibility study
Analysis of your purchasing power, equity, and tax situation. You leave with a clear, realistic picture before any viewing.
Information & preparation
I explain Swiss market rules, bank requirements, and available options. You understand each decision before you make it.
Search & comparison
Exploring mortgage market offers and analyzing solutions suited to your profile. I present options with their pros and cons — you choose.
Support through to signing
Administrative coordination, answers to your questions at every stage, follow-up through notary signing. You are never alone with the complexity.
All types of real estate projects
I support individuals and couples in their projects
Main residence
Secure your family home with long-term fixed rates and maximum protection.
Rental investment
Before you invest, I help you analyze the property, assess its real yield, and build a solid file — so you can make an informed decision.
Secondary residence
Achieve your mountain or lakeside dream with flexible, tailored financing.
Key financing conditions
The Swiss market rests on strict stability pillars. Understanding these metrics is the first step toward having your file accepted.
20% equity
You must have at least 20% equity (minimum 10% excluding LPP/3rd pillar). I help you optimize your equity and use your 2nd and 3rd pillar wisely.
33% debt ratio
Housing costs (interest + amortization + maintenance) should not exceed 33% of your gross income. I precisely analyze your purchasing capacity and optimize your file.
Term and amortization
Fixed mortgage of 5, 10, or 15 years, or SARON mortgage. Direct or indirect amortization (via 3rd pillar). I advise you on the best strategy for your situation.
Why trust me for your purchase?
Recognized expertise
Solutions tailored to your profile
Time savings and peace of mind
Personalized advice
Transparent pricing
A complete service to realize your project
First meeting
Free
Feasibility study and analysis of your purchasing capacity
- check_circleConfidential exchange
- check_circleNo commitment
- check_circleQuick response
Complete support
Personalized fees
Fees defined together at the first meeting, based on your project and its complexity. No surprises.
- check_circleAnalysis and comparison of financing offers
- check_circleDecision support to choose the solution that fits you
- check_circleComplete administrative management
My role: helping you avoid costly mistakes — in the vast majority of cases, my fees are largely covered by savings achieved on the financing.
Book a free call — 15 minFirst meeting without commitment · FINMA-regulated activity · Geneva
Frequently asked questions
How much can I borrow?
Your borrowing capacity depends on your gross income, existing charges, and equity. As a rule, housing costs should not exceed 33% of your income. During the free first meeting, I precisely analyze your purchasing capacity and optimal budget.
Can I use my 2nd and 3rd pillar?
Yes, you can use your LPP (2nd pillar) and 3rd pillar for purchasing your main residence. The 2nd pillar can be withdrawn or pledged. I advise you on the best strategy for your situation: direct withdrawal vs. pledging, tax optimization, and impact on your pension.
What is the difference between fixed and SARON mortgages?
A fixed mortgage guarantees a stable rate for the entire duration (5, 10, 15 years), offering security and predictability. A SARON mortgage (formerly Libor) follows market rates: it can be more advantageous if rates fall, but carries more risks. I help you choose based on your risk profile and market situation.
How long does it take to obtain financing?
Generally, the process takes between 2 and 6 weeks: 1 week to complete the file, 1-2 weeks to obtain bank offers, then 1-3 weeks for final validation and signature. In urgent cases, I can accelerate the process.
Can I buy if I'm self-employed?
Yes, it's possible but banks generally require 3 years of activity with audited accounts. They analyze your average income over this period and may require a higher equity rate. I have experience with self-employed files and know how to present them optimally.
What if my application is rejected?
A rejection is not final. Each bank has its own criteria. If a bank rejects your file, I can submit it to other institutions, optimize it, or propose alternative solutions (co-borrower, increased equity, etc.). My extensive network and experience significantly increase your chances of acceptance.
Ready to take the next step?
Choose the contact method that suits you best to start your property project today.
Phone appointment
Schedule a first 15-minute call via Calendly for a quick feasibility review.
Book my slotContact form
Send me your project details in writing. I'll reply with a preliminary review within 24 hours.
Feasibility study within 48h • Free first meeting