Real estate & mortgages

Finance your property on the best available terms.

Mortgage rates differ substantially between banks, insurers and pension funds. On a large mortgage the gap between the cheapest and the most expensive provider easily amounts to several thousand francs a year.

Helfenstein Group compares the market continuously, negotiates on your behalf and reviews affordability well before your fixed term expires. We receive nothing from any lender, so the recommendation is simply the best available offer.

What we do for you

  • Mortgage comparison

    Current terms from more than a hundred Swiss lenders.

  • Refinancing

    A structured tender when your existing fixed term runs out.

  • Affordability

    A conservative check that still holds at higher interest rates.

  • Buying and selling

    Valuations and support through the whole transaction.

Regulatory challenges

  • Opaque list rates

    Published mortgage rates are starting points, not final offers.

  • Expiry windows

    Missing a refinancing notice period can lock in an expensive renewal.

  • Affordability stress

    Banks test higher imputed rates than today’s contract rate.

How we help

  • Market comparison

    Terms from banks, insurers and pension funds side by side.

  • Negotiation support

    We prepare the tender and press for better than list.

  • Early review

    Affordability checked well before your fixed term ends.

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General information only. Nothing on this page constitutes personalised investment, tax or legal advice. Helfenstein Group does not hold client assets; all custody stays with the bank you choose, under your control. Decisions should be based on your own circumstances and, where appropriate, on a written analysis from a qualified adviser.

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