Prestige villa in the Geneva region, architecture and garden
    Prestige real estate · Geneva & surroundings

    Bespoke mortgage financing for luxury real estate in Geneva

    Villas, high-end apartments, second homes: I advise discerning buyers and owners with discretion, independence and expertise.

    Book a confidential 15-minute consultation

    First consultation free of charge · FINMA-regulated activity · Independent of any bank

    Luxury real estate in Geneva: financing that cannot be improvised

    Above CHF 1.5M, the rules change. Banks are more selective, structures more complex, tax stakes higher. My role: helping you make the right decisions.

    Mortgages often above CHF 1.5M

    At this level, bank criteria are stricter and negotiation margins wider. A rigorous analysis of your file is essential before approaching any lender.

    Geneva tax considerations to anticipate

    IBGI property gains tax, interest deductibility, pillar 3b, wealth tax: every mortgage decision has a direct tax impact. I coordinate both dimensions from the outset.

    Discretion and confidentiality

    My clients value a single, independent point of contact who shares no information without prior consent. Every file is handled with the utmost discretion.

    The profiles I advise

    Every situation is unique. Here are the profiles I encounter most often in Geneva.

    Buyer of a villa or prestige property

    You are acquiring a property between CHF 1.5M and CHF 5M+. I help you structure the financing, optimise your equity and select the right solution among 50+ lenders.

    Owner looking to refinance

    Your mortgage is coming up for renewal or your situation has evolved. I assess whether refinancing makes sense and on what terms.

    Expatriate or foreign resident in Geneva

    Income in foreign currencies, international taxation, B or C permit: I have in-depth command of financing for foreign residents in Switzerland.

    Second home or buy-to-let investment

    Financing a second home or a prestige rental property. Yield analysis, tax structure and preparation of the application.

    A bespoke approach, not a standardised service

    In the prestige segment, every file has its own particularities. I take the time to understand your overall situation, income, wealth and objectives, before submitting a single recommendation.

    I do not work on volume. I work on quality.

    • check_circleFull analysis of your situation before any approach to the banks
    • check_circleAccess to 50+ institutions, including specialists in the prestige segment
    • check_circleCoordination with your notary, fiduciary or lawyer where needed
    • check_circleAvailability and responsiveness throughout the process
    • check_circleTotal confidentiality of your file

    The luxury property market in Geneva

    Geneva stands out as one of the most demanding real estate markets in Europe. Its most sought-after areas, Cologny, Vandoeuvres, Collonge-Bellerive, Pregny-Chambésy and the lakefront, command some of the highest prices in Switzerland, with transactions regularly ranging from CHF 2M to CHF 10M+.

    In this context, mortgage financing cannot be handled as a standard file. Banks apply strict affordability criteria, ownership structures can be complex (property companies, estates, divided ownership), and the tax implications, from IBGI property gains tax to wealth tax and interest deductibility, deserve particular attention.

    As an independent advisor, a FINMA-regulated activity, based in Geneva, I have been advising demanding owners and buyers for over 15 years. My independence from the banks allows me to offer you an objective analysis and access to the entire market, not just the products of a single institution.

    Frequently asked questions

    What is an independent mortgage advisor?expand_more
    An independent mortgage advisor is not tied to any bank or insurer. They analyse your situation and compare the entire market in your sole interest, unlike a bank advisor who can only offer the products of their own institution.
    How do you finance a prestige property in Geneva?expand_more
    Financing a prestige property in Geneva follows the same basic rules, a minimum of 20% equity and a debt-to-income ratio below 33%, but with important specifics: banks are more selective on complex files, and the tax structuring deserves particular attention from the moment of acquisition.
    Do you need to change banks to refinance your mortgage?expand_more
    Not necessarily. I first analyse the terms offered by your current bank, then compare them with the market. Sometimes staying with your bank is the best option; sometimes switching delivers significant savings. The decision always rests with the client.
    How much does independent mortgage advice cost in Geneva?expand_more
    The first consultation is always free and without obligation. It allows me to analyse your situation and identify whether I can add value. Fees for full support are communicated transparently before any commitment.

    Your prestige property project in Geneva deserves advice to match.

    A first confidential consultation with no obligation. I take the time to analyse your situation before proposing anything.

    Book my 15-minute consultation

    FINMA-regulated activity · Based in Geneva · Independent of any bank · Guaranteed confidentiality