Take out a mortgage with Compando.

Make your home ownership dreams come true. We will help you find the right mortgage for you. Benefit from attractive conditions and the winning combination of technology and personal advice. Our experts will find the best mortgage for you from over 100 lenders.

Independent and comprehensive advice by experienced experts

Access to over 100 financing providers for the best conditions

Innovative technology for choosing the right mortgage

Transparent and easy-to-understand offers with no hidden costs

Sustainable finance options for various life situations

The right pension and insurance solutions from a single provider

Take out a mortgage

Five steps to your mortgage

With Compando, you will find the right mortgage for your current and future needs. We will support you every step of the way to your dream home.

1

Find the right property and get a valuation

Find a home you love. You will receive comprehensive information and a valuation for all properties for sale. You will also get exclusive early access to our properties for sale, keeping you one step ahead of the market.

2

Analyse your personal situation and devise a mortgage strategy

We will provide you with independent and comprehensive advice based on your financial situation and will also take your pension situation and taxation into account when devising a mortgage strategy together with you.

3

Ensuring the best financing by comparing lenders

We match your financial profile against the requirements of over 100 mortgage lenders to find the right mortgage for you.

4

Signing the purchase contract

Before signing the purchase contract, there are usually a great deal of questions that need answering. We will provide you with assistance and advice to help you make the right decision.

5

Thinking about security and retirement planning

We plan for the long term: keep your loved ones and your home safe with the right insurance and pension solutions – all from a single provider. This way, you can sleep easy.

Contact & Consultation. Find the right mortgage now.

Compando will help you find the right mortgage – independent and personal. We take into account not only attractive conditions, but also your pension and tax situation.

The current most attractive mortgage interest rates.

Saron mortgage from*

0.65%

Fixed-rate 10 years from

1.3%

Fixed-rate 5 years from

0.97%

* The value shown here for a SARON mortgage is made up of the current SARON (Swiss Average Rate Overnight) and the individual margin of the mortgage lender. Generally speaking, the interest rates shown are the best conditions currently available. Your personal interest rate may differ based on the loan-to-value ratio, affordability, mortgage volume and location of the property.

Request a mortgage consultation now.

Our door is open to you. We will provide you with personal and independent advice.

My contact details

My enquiry

General questions about financing
Personal mortgage consultation

You might also be interested in this

Pillar 3a Maximum Contribution 2026 & the New Catch-Up Rules

Pillar 3a Maximum Contribution 2026 & the New Catch-Up Rules

4 min read
Pillar 3a - Make more of your money & save taxes!

Pillar 3a - Make more of your money & save taxes!

4 min read time
Savings Account, Funds, or Insurance? Comparing the 3a Options in Detail

Savings Account, Funds, or Insurance? Comparing the 3a Options in Detail

4 min read
Who Benefits from Pillar 3a? A Guide

Who Benefits from Pillar 3a? A Guide

4 min read

Frequently Asked Questions about Taking Out a Mortgage

Find answers to the most common questions about taking out a mortgage.

To take out a mortgage in Switzerland, you must meet the following requirements:
  • At least 20% equity (of which 10% from genuine own funds)
  • Affordable income: Housing costs maximum one-third of gross income
  • Good credit rating: No debt enforcement or payment defaults
  • Permanent residence in Switzerland or cross-border commuter status
  • Usually minimum age 18 and not at retirement age
The bank also reviews your income situation, employment contract, and existing obligations.
The duration of mortgage approval depends on various factors:
  • Pre-assessment/inquiry: 1-3 days (for initial evaluation)
  • Complete review: 1-3 weeks with complete documents
  • Property valuation: 1-2 weeks additional
  • Contract preparation and signing: 1-2 weeks
In total, you should expect 4-8 weeks from initial application to disbursement. Good preparation with complete documentation significantly speeds up the process.
For taking out a mortgage, you need the following documents:
Personal Documents:
  • Proof of identity (passport, ID)
  • Debt enforcement register extract (not older than 3 months)
  • Civil status certificate
Financial Evidence:
  • Pay slips from the last 3-6 months
  • Employment contract
  • Last tax return
  • Proof of equity (bank statements, securities statements)
Property Documents:
  • Purchase agreement or purchase intent
  • Land register extract
  • Building insurance certificate
  • Floor plans
Yes, self-employed people can also take out a mortgage, although stricter requirements apply:
  • Usually 3 years of business activity are required
  • Tax returns from the last 3 years as proof of income
  • Possibly higher equity required
  • Detailed review of business figures
With fluctuating income, often an average value of recent years is calculated. It can be advantageous to approach multiple banks, as requirements can vary.
If you can no longer pay your mortgage, you should immediately speak with your bank. Possible solutions:
  • Arrange payment deferral or installment payment
  • Amortization pause (temporarily pay only interest)
  • Restructure mortgage (e.g., longer term)
  • Emergency sale of the property
In the worst case, the bank can foreclose on the property. To avoid this, early communication with the bank is crucial. If experiencing financial difficulties, also seek advice from debt counseling services.