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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.Extend your fixed-rate mortgage online in your LLB e-banking 90 days before it expires or contact your client advisor.

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 of the Money Market Flex mortgage is based on the SARON (Swiss Average Rate Overnight). If you are expecting stable or falling interest rates and would like full flexibility when it comes to amortisation and switching to another mortgage product, then the Money Market Flex mortgage is the right choice for you. The term of the Money Market Flex mortgage is one or three months and, where agreed, is renewed automatically for the same term.

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.

Environmental 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 environmental mortgage is especially worthwhile for you. You benefit from our preferential conditions – also for renovations and conversions of Minergie-certified buildings. The term of the mortgage is five years. After that, you can choose from all other mortgage products for further financing.

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