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Mortgages that adjust to your needs

With our different mortgage models, you can realise your dream of owning your own home or buying the property you've always longed for. Regardless of what you decide – our focus is always on your needs, and we are the partner at your side.

Depending on your goals and needs, we can offer you a wide variety of solutions. And no matter how diverse the mortgage models are, they all have one thing in common: They are based on interest rates that are either variable or fixed for a certain period of time. We use both to your advantage and combine different models for flexible solutions.

Fixed-rate mortgage – for long-term planning

The interest rate does not change, giving you the option of precisely budgeting the financial burden. Profit from reliable planning of your expenses. The term of this model is always between two and ten years. Interest is calculated every six months, so you always know when costs are due.

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 – your flexible mortgage solution

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 – stay on track

The interest rate is variable and adapts to the market situation. If interest rates fall, you benefit – if interest rates rise, your monthly housing costs will also increase. Whether you are about to sell your property or whether you want to wait and see how the interest rate develops, this model is a good fit for you.

If the variable mortgage no longer meets your requirements, you can switch to another model at any time. We're happy to advise you on your options.

Ecological and renovation mortgage – your project in Liechtenstein

Would you like to invest – in new buildings with the Minergie rating, passive houses, or comparable alternative energy standards? Then our ecological and renovation mortgage is especially worthwhile for you. You benefit from flexible contract components and from our preferential conditions – also for renovations and conversions of Minergie-certified buildings. The term of the mortgage is five years and is then continued as a variable mortgage.

Your benefits

  • Financing options tailored to your personal situation
  • Forward-looking and reliable liquidity planning throughout the entire construction phase and after completion
  • Free financial and pension planning with our advisors
  • Combination of your mortgage with TRIA financial and pension planning products