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Real Estate Purchase in Switzerland: Our tips and tools to make your project a reality

Dreaming of becoming a homeowner in Switzerland, but feeling held back by mortgage rates, equity requirements, and the complexity of financing? FBKConseils supports you in finding the best financing, optimizing your taxes, and successfully completing your real estate purchase with peace of mind.

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Discover our services for your real estate purchase

Analyse, build and support of your mortgage file

At FBKConseils, we believe that becoming a homeowner is one of life’s most important milestones. That’s why we’ve developed a comprehensive process to guide you every step of the way.

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Simulate the impact of a real estate acquisition

Buying property has significant economic and financial implications. It affects not only your budget but also your taxes, and we are here to help you anticipate and optimize these changes.

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Invest in Real Estate

Real estate is a powerful way to diversify your portfolio, but it must be carefully planned to generate lifelong income without putting your capital at risk. We are here to support you throughout this journey.

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Real estate in Switzerland: how does it work?

We all dream of leaving in our own home, someday. At first, it may feel unachievable: complicated process, too much equity to provide, too much paperwork. But then, out of the blue, or after “just out of curiosity” kind of researches, the luckiest end up finding the rare gem.
Furthermore, not so long ago, everyone was saying that the best time to invest in property was now: “don’t hesitate for a second, rates are at their lowest”. Time goes by, mortgage rates change. Is it still the right time to invest in real estate?
– Is this the proper timing to buy a home?
– Is buying real estate still economically and fiscally worthwhile?
– How much equity do you contract a mortgage?
– How do I know if the bank will agree to finance my real estate acquisition?
– How does amortization work?
To answer all these questions, and more, we called on Noé! By the end of this article, you will know everything about property investment.


Is it still worth investing in property in 2025?

1. To save money
2. Because mortgage rates could still rise
3. Because investing in stone is a safe bet

Tax and foreign real estate

Reading time 9 min.
Updated on October, 25th 2023.

Investing in real estate, still a good idea in 2025?

Reading time 6 min.
Updated on January, 10th 2025.

Swiss mortgage rates of 2024-2025

Reading time 5 min.
Updated on January, 9th 2025.

Buying Real Estate : How will your taxes change?

Reading time 9 min.
Updated on February, 21st 2025.

How did becoming an owner make you save money? What about in 2025 ?

Reading time 2 min.
Updated on January, 9th 2025.


Skeleton of a mortgage

At least 20% equity, that’s the rule. But how to structure it? How to calculate interest rates? Should you rather go for direct or indirect amortization? Find all Noé’s clear and simple answers in the next sections.

Financing my real estate purchase in 2025 : individual funds

Reading time 3 min.
Updated on January, 10th 2025.

What is a real estate amortisation?

Reading time 2 min.
Updated on January, 8th 2025.

Financing my real estate purchase: what is my mortgage loan made up of?

Reading time 6 min.
Updated on January, 8th 2025.


Calculate your real estate solvency

How does the banker calculate your solvency? Noé explains it to you and provides you with a solvency simulator. Input the price of the property you have identified and estimate the income you need to apply for a loan!

Financing your mortgage thanks to your pillar 3A

Reading time 2 min.
Updated on November, 21st 2023.

Real Estate: How much can I borrow in 2025?

Reading time 5 min.
Updated on January, 10th 2025.


Use your retirement savings to finance your property

Did you know that your retirement savings from the 2nd and 3rd pillars can be used to purchase your home? Find out now how it works!

The pledge of your 2nd pillar assets

Reading time 3 min.
Updated on January, 10th 2025.

The EPL withdrawal – Or withdraw your 2nd pillar to buy your home in 2025

Reading time 6 min.
Updated on January, 10th 2025.

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