Do you dream of having your own four walls? We can help you realize your dream of owning your home. You can find all important information about taking out your mortgage here.
Get an overview of the usual steps in the process, from finding a property to taking out a mortgage. Please note that your current situation and needs are unique to you and the steps may vary accordingly. We would be happy to help if you have any questions.
Consider the following questions on your journey towards a mortgage. You can find useful information about each individual step at the bottom of the page.
Finding the right property is an emotional process, and it takes a lot of time. To begin with, take a close look at your requirements for the property and its financing.
Find out directly whether your dream of owning your own home can be made a reality and get an initial proposal for your financing.
With our attractive interest rates, you can find the right model and term for your needs.
At PostFinance, you will find attractive interest rates for fixed-rate mortgages with terms from two to 15 years and for the Saron mortgage with a term of three years.
All interest rates at a glance
Find out more about the advantages and conditions of each of our mortgage models.
Create a free mortgage quotation online. You will receive your personalized, non-binding financing proposal directly as a PDF file.
Use our checklist to get a compact overview of the documents you will need for your mortgage.
In our checklist you will find an overview of the documents you need for your mortgage application and how you can obtain them.
The link will open in a new window Checklist for a mortgage application (PDF)
Compile your documentation and arrange a personal consultation to review the documents with our specialists. We will be happy to assist you with obtaining any missing documents.
Tip: Because every mortgage application is unique, there may be differences in the documents required. Please get in touch with our specialists so that we can offer our support.
After conducting an initial review of the documents submitted, and provided that the funds required to purchase the property are available, we can issue you with a financing confirmation. This is usually requested by the seller, broker or notary during the purchase process.
Arrange a personal consultation to discuss your current situation with our specialists and ensure that you take out the right mortgage.
We will show you your individual financing options, explain the various options and outline the pros and cons of each of them. We will check whether your records are complete, and if necessary assist you with obtaining any missing documents.
We will work with you to find the optimum solution and provide you with a personalized financing and interest rate offer. And we will also be there for you after completion.
Discuss your goals, financial requirements and possible conditions with our specialists.
Mortgage advice from our specialists is free of charge for you. If you take out your mortgage with PostFinance, you also benefit from a discount of CHF 5 per month on your Smart or SmartPlus banking package. You can find out more about prices and conditions under “Prices and conditions” on the fixed-rate mortgage or Saron mortgage product pages.
If you buy a property, you can expect to pay various additional costs. During the purchasing process, for example, additional fees and charges arise, and these can amount to as much as five percent of the purchase price, depending on canton and municipality. After the purchase, you can expect to pay various recurring ancillary and maintenance costs, for example for maintenance work.
This can be the case if taking over the mortgage is a condition of the seller. As the buyer, you can also repay the existing mortgage and take out a new mortgage with another financial institution. However, you may incur a prepayment charge if the existing mortgage is paid ahead of schedule.
You can find interesting information in our blog posts that will give you additional help with the process of buying a property.
Using equity correctly
Affordability: what can you afford?
What does loan-to-value ratio mean? What is the collateral value?
Taking over a mortgage when buying a house?
Buying a house as an unmarried couple
