Renegotiate your mortgage — at the right time, under the right conditions
Successful refinancing is not just about getting a low rate. It is choosing the right structure, the right timing, and preserving your wealth flexibility. I analyse your situation as a whole and negotiate on your behalf with the banks.
Free first meeting • Personalized analysis within 48h
Why refinance now?
Market dynamics
Markets change. Now is a good time to review whether your current contract still fits your situation.
End of term
Anticipating the end of your current contract (up to 24 months ahead) helps avoid sudden rate spikes.
Your situation has evolved
Stronger solvency or a higher property valuation can open new options. I help you identify them.
"On average, my clients achieve annual savings between CHF 5,000 and CHF 20,000."
100% independent analysis
Illustrative example
Based on a mortgage of CHF 1,000,000
- Mortgage
- CHF 1,000,000
- Typical rate spread
- 0.15% – 0.35%
- Potential savings
- CHF 1,500.- to CHF 3,500.- / year
This example is provided for purely illustrative purposes. Actual rates depend on market conditions, your profile, and bank offers at the time of analysis. No return or savings is guaranteed.
How I support you
Free analysis
Detailed review of your current contract and assessment of early exit penalties versus potential savings.
Market comparison
Access to a wide network of financial institutions to identify solutions suited to your profile and situation.
Offer analysis
I help you understand and compare offers so you can decide with clarity — no pressure.
Implementation
Full administrative support through final signature at the notary or bank.
Why trust me?
Total independence
I'm not tied to any bank. I work for YOU and seek the best conditions across the entire market.
Recognized expertise
15+ years of experience in real estate financing. FINMA-regulated activity. Over 100 satisfied clients.
Time savings
I do all the work: comparison, negotiation, paperwork. You just sign the best offer.
No commitment
Free first meeting. You only pay if you refinance and actually save.
Transparent pricing
A clear approach, no surprises
Discovery call
Free
Review of your situation and assessment of refinancing potential
- check_circleNo commitment
- check_circleResponse within 48h
- check_circleConfidential discussion
Case fee
CHF 350.-
Full analysis of your mortgage and obtaining offers from banks
- check_circleComprehensive market comparison
- check_circleBank offers obtained for you
- check_circleSupport through to signature
Success fee
Results-based
Only if refinancing delivers real savings — amount agreed upfront together
- check_circleAligned with your interests
- check_circleAmount set in advance
- check_circleNo hidden fees
In the vast majority of cases, fees are covered by savings achieved from the first year.
Frequently asked questions
When can I renegotiate my mortgage?
You can renegotiate at any time, but it's particularly relevant as your mortgage maturity approaches (3-6 months before), or if your financial situation has improved and justifies early renegotiation.
Are there fees to exit my current mortgage?
It depends on your contract. At maturity, there are generally no fees. In case of early exit, penalties may apply. I always analyze whether future savings compensate for these fees before making any recommendation.
How long does refinancing take?
Generally, the process takes between 2 and 6 weeks: 1 week for analysis and comparison, 1-2 weeks for negotiation, then 1-3 weeks for administrative finalization and signature.
Do I need to change banks to refinance?
Not necessarily. Often, your current bank can match the best market offers if they want to keep you. I first negotiate with your bank, then compare with other institutions to guarantee you the best conditions.
What is the difference between fixed and variable mortgages?
A fixed mortgage guarantees a stable rate for the entire duration (5, 10, 15 years), offering security and predictability. A variable mortgage (SARON) follows market rates and can be more advantageous if rates fall, but carries more risks. I help you choose based on your risk profile and market situation.
Ready to optimize your wealth?
Book a 15-minute slot for a first assessment with no commitment. Take back control of your monthly payments.
Complete analysis within 48h • Free first meeting