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    Realise your plans and visions

We offer flexible mortgages to fit your needs

You can choose from our customised financing options to implement your real estate projects. Whether a functional new building, renovations according to your needs, or property financing: You will always benefit from attractive conditions.

We attach special importance to your real estate financing needs. We offer individualised mortgage models for real estate in Liechtenstein and Switzerland.

Our wide range of mortgage models is based on interest rates that are either variable or fixed for a specific time period. We employ both models to your advantage. For flexible solutions, we combine different models.

Building loan

With this solution, you pay your equity into a building loan account, which is used to pay current invoices. Each quarter, we charge the contractually agreed interest rate and commissions on the effectively used loan amount. Once the building construction has been successfully completed and all invoices have been paid, we convert the building loan into a mortgage of your choice.

Fixed-rate mortgage

This mortgage is based on a fixed interest rate for the entire term of the mortgage, which may be between two and ten years. The minimum amount is CHF 100'000. Interest payments are made every half-year. The advantage for you is the consistent calculation of payments because there are no interest rate fluctuations.

Money Market mortgage – benefit from market-based interest rates

The interest rate of the Money Market mortgage is based on the SARON (Swiss Average Rate Overnight) and is adjusted monthly or quarterly. If you are expecting stable or falling interest rates but still would like to enter a long-term product commitment with a fixed margin, then the Money Market mortgage is the right choice for you. The contract term runs for 2, 3, 4 or 5 years.

Money Market Flex mortgage

The interest rate on the Money Market Flex mortgage is calculated using the LIBOR. If you are looking for a mortgage that offers stable or falling interest rates but do not want to be tied to one particular product for the long term, this is the ideal solution for you. Unlike the Money Market mortgage, the Money Market Flex mortgage offers maximum flexibility when it comes to amortisation, extension and switching to another mortgage product. All these options are available to you once the term has expired. The term also represents the interest lock-in period on the mortgage, and both can be set at one, three or six months. The Money Market Flex mortgage will be changed over to the SARON within the next couple of months.

Variable mortgage

This mortgage model relies on a variable interest rate adjusted to the current market situation. Interest payments are made every half-year. This model offers you several advantages. In addition to an unlimited duration, you can always switch to a different model. You also benefit immediately from any reductions in the mortgage interest rate, and you have the option to repay the mortgage flexibly throughout the term of the mortgage.

Your benefits

  • Financial security for your real estate projects
  • Individually selectable mortgage model
  • Calculation in advance for fixed interest rates
  • Possible advantages with market interest rates
  • Overview of complete costs and payments