The first mortgage is limited to two thirds of the real estate value. The second mortgage, therefore, serves to finance the rest of the credit that exceeds the first mortgage.

The bank finances a maximum of 80% of the value of the property, divided into two mortgages:

  • First mortgage: max. 67% of the real estate value
  • Second mortgage: max. 13% of the real estate value

Example: The purchase price is CHF 1,000,000 and the buyer has CHF 250,000 (25%) in equity. In this case, the mortgage loan would be 75%. This means that the first mortgage amounts to CHF 650,000 (65%) and the second mortgage CHF 100,000 (10%).

Financing a dream home or apartment generally involves a combination of equity and borrowed capital.

Second mortgage in detail

Find your ideal mortgage solution

Fixed-rate mortgage

  • Interest rate stays the same for ultra stability
  • Durations from 2 to 10 years for added flexibility
  • Limited terms so you can rethink your strategy
Fixed-rate mortgage

SARON mortgage

  • Flexible interest rate changes with the market
  • Unlimited term
  • Switch into Fixed-rate at any time to lock in your rate
SARON mortgage

Building financing

  • Start with a loan or a mortgage – whatever fits your needs
  • Unlimited term
  • We process construction payments for you
Building loan

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