In Switzerland, insurers, pension funds, and investment foundations have been among the most favorable mortgage lenders for years. The interest rate difference to the house bank can be up to 60 basis points, which for a medium-sized mortgage can quickly amount to several thousand francs per year. However, access is more strictly regulated. An overview of the pros and cons.

At the latest by age 50, the critical phase begins for mortgage holders in Switzerland. Those who plan correctly now secure affordability, good conditions, and a home that remains financially viable into retirement.