Are you planning to renovate your house or apartment? We can help you to plan and optimize the financing of renovations and conversions. For example, you can combine the renovation measures with the renewal of your mortgage.
As the owner of a property, it is important to know about the work and costs that can be incurred for conversions and renovations. Find out about the individual steps in the process and contact us if you have any questions.
In our informative blog posts, you can find out how to make your home more energy-efficient.
Among the options available to owners who optimize the energy efficiency of their home and equip them with sustainable technologies are subsidies from government. Please note that applications for government subsidies must always be submitted before starting work.
Would you like to have the energy performance of your property assessed and receive suggestions on optimization? The cantonal energy certificate for buildings (GEAK) creates a foundation for the planning of future renovations.
The installation of photovoltaic systems is a good way to generate your own sustainable solar power and make yourself more independent of fluctuations in energy market prices.
In today’s world of climate change, the switch to renewable energy is growing in importance. Heat pumps offer a climate-friendly way to save costs in the long term.
Effective thermal insulation can help you save on heating costs. In addition, the federal government and the cantons provide financial support with the investment costs.
Use the renovation calculator to get an idea of possible renovation work and the costs involved. Find out more about the current CO2 emissions and heating requirements of your property, and how you can make it more sustainable.
When planning a renovation, there are various aspects to be considered. Renovations are complex and often call for expertise and experience.
You may want to consult an energy advisor with regard to your renovation project. If you need advice, you can contact the energy advice service in the canton where you live. It is important that you apply for any subsidies before you start the building work.
Investments in energy-saving measures minus the subsidies received can be deducted from income over several tax periods. Find out which renovations are actually deductible.
To find the best services, ask for quotations from different tradespeople and compare them. Give some thought to planning your renovation effectively and setting a realistic time frame for getting it done.
Find out about legal requirements and approvals that may be relevant to your renovation work by contacting the relevant office. This office can provide you with information about local building regulations, required approvals and the approval process.
To protect your home and investment, find out what insurance it is important to have during and after the renovation, such as building insurance.
In addition to planning your renovation measures, choosing the right financing strategy is crucial.
Find out about our attractive interest rates and mortgage models and talk to our specialists to work out the optimum financing solution for your renovation. Our specialists will be happy to advise you with a view to determining the ideal time for your financing and preparing an offer tailored to your individual situation.
Discuss your goals, financial requirements and possible conditions with our specialists.
If you want to increase your mortgage for a renovation, the conditions with regard to affordability and loan-to-value ratio are the same as for taking out a new mortgage:
A mortgage can be used to finance various forms of renovation work that improve the value and functionality of your property. These include for example:
Discuss the planned measures in detail with our specialists to ensure that they can be financed as part of the mortgage.
An energy-saving renovation can increase the value of your property. On the one hand, improvements such as thermal insulation, modern heating systems and the use of renewable energy reduce energy consumption, while on the other such measures can also lead to higher demand, resulting in an increase in the market value of your property.
If the actual renovation costs turn out to be higher than planned, you will face additional costs that may have to be covered by additional financing or from your own resources. We recommend factoring in a cushion for unforeseen expenses from the outset, and quickly informing your bank of any additional costs in order to find appropriate solutions.
