Transparency
How we earn money — and why it's free for you
hypox is a software company connecting borrowers with mortgage providers. The comparison is free for you: hypox is paid by the provider — a fixed brokerage fee calculated with the same formula for every provider. That's why we have no reason to recommend any particular provider.
Our model in three steps
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You compare free of charge
You compare providers, put together your request and collect offers — with no fees and no obligation.
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The provider pays a fixed fee
When a mortgage is concluded, the provider pays hypox a brokerage fee based on a fixed formula — calculated identically for every provider. No provider can buy a better placement.
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Any surplus we pass on
If a provider pays more than our fixed fee, we do not keep the difference: we pass the surplus on to you.
This is how our model works — it applies to every provider partnership we enter into.
The fee formula
Mortgage amount × 0.1 % per year of term
- A maximum of 10 years of term is counted — even for longer mortgages.
- The minimum fee is CHF 800.
- For SARON and variable-rate mortgages without a fixed term, we use a reference term of 3 years.
Worked example
Fixed-rate mortgage of CHF 800'000 with a 10-year term: the provider pays hypox CHF 8'000 — you pay nothing. If the provider paid more, the surplus would go to you.
What does hypox earn on your mortgage?
Fixed fee vs. commission: the difference
| Criterion | hypox: fixed fee | Typical commission model |
|---|---|---|
| Who pays? | The provider — free for you. | The provider — usually also free for customers. |
| Amount of remuneration | Fixed formula, calculated identically for all providers. | Percentage of the mortgage, varies by provider. |
| Incentive in provider choice | None — we earn the same with every provider. | Providers paying higher commission are more attractive to the broker. |
| Surpluses | We pass them on to you. | Stay with the broker. |
| Transparency | Formula and worked example are public. | Remuneration is rarely disclosed. |
Frequently asked questions about our model
Why is hypox free for me?
Because the provider pays our brokerage fee, not you. The fee follows a fixed, public formula and is calculated identically for all providers — it is not passed on to you.
Does your fee affect my interest rate?
No. Because the fee is calculated the same way for all providers, no provider has an advantage in our comparison. Results are sorted purely by conditions — above all the interest rate.
What happens to provider commissions?
If a provider pays more than our fixed fee, we pass the surplus on to you. We only keep the fee according to the published formula — that is how our model works.
How high is the fee exactly?
Mortgage amount × 0.1 % per year of term, with a maximum of 10 years counted; the minimum fee is CHF 800. Example: for a fixed-rate mortgage of CHF 800'000 with a 10-year term, the provider pays CHF 8'000.
Why don't you work with commissions like other brokers?
A commission that depends on volume and provider creates an incentive to steer customers towards the best-paying provider. With a fixed fee we earn the same with every provider — neutrality isn't a promise, it's built into the business model.
See for yourself
Start the comparison — free, anonymous and with no obligation. The order of the results is determined solely by the conditions.
Request an offer