Guide
Blog
Clear articles on mortgages, interest rates and financing – factual, neutral and without sales pressure.
Switching your mortgage provider in Switzerland: what it really costs – and what makes it fail
Switching mortgage providers usually costs no more than a few hundred francs – no notary, no property transfer tax. The real hurdles lie elsewhere: missed notice periods, staggered tranches and the new bank's affordability calculation. The complete timeline, with a cost table.
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Which mortgage to take out now so you still have room to manoeuvre in 2029
The system change does not alter which mortgage model is better – it alters which expiry date and which contract clauses you need. What term, amortisation rights and tranche planning have to do with 1 January 2029, with the current indicative rates across all terms.
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Renovating before 2029: why the maintenance deduction now has a deadline
From 2029, owner-occupiers lose not only the debt interest deduction but the maintenance deduction too. The 2028 tax period is the last one in which a value-preserving renovation lowers your tax bill – and only three periods remain for the usual staggering over several years.
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Investment properties and holiday homes from 2029: the new debt interest deduction
From 2029, mortgage interest will only be deductible in proportion – measured by the value of your let properties against your total assets. What the proportional-restrictive method means for investment properties and holiday homes, with the official worked examples.
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Why the Swiss never repay their mortgage – and what changes in 2029
In Germany, being debt-free is the goal; in Switzerland the mortgage stays in place for a lifetime. The reasons: low rates, the tranche system and the imputed rental value. With its abolition, one pillar of that calculation disappears.
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Keeping your home in retirement: reverse mortgage, advance inheritance or vendor loan?
Many retirees are 'asset rich, cash poor': a valuable house but a thin pension. Why selling is often the worst option – and how a reverse mortgage, a vendor loan and a clean handover to the children actually work.
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Swiss policy rate and mortgage reference rate as a free JSON API
hypox.ch now offers the SNB policy rate, the mortgage reference rate and aggregated Swiss provider mortgage rates as a free public JSON API – no API key, updated daily.
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Fixed or SARON mortgage: how to find the right model
Fixed-rate mortgage or SARON? A factual, well-founded comparison covering the 2026 rate environment, prepayment penalty, tranche strategy and sources – neutral and without sales pressure.
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Mortgage for a holiday home in Switzerland: the complete guide
Equity, affordability, property valuation and provider comparison for second homes – explained step by step. Why 30–40% equity is needed and why comparison counts twice.
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Mortgage comparison Switzerland: banks, insurers and pension funds
Why a systematic comparison pays off: banks, insurers and pension funds side by side – conditions, strengths, limits. Neutral and with sources.
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