Increase your mortgage
Release capital from your property as equity for your next one.
- Even during a running fixed-rate term
- When increasing, often without a penalty
- Good rates, comfortable terms
Mortgage department
You own a property? Turn it into equity for the next one.
We check how much capital you can release from your existing property: for your next property, an investment abroad or any other purpose. More mortgage, less amortisation, good rates.
Our mortgages
For every property, specialised in multifamily
Mortgages exclusively for properties in Switzerland, for clients living in Switzerland or abroad.
Increase for any purpose
Capital from your property for an investment abroad or another goal. Here we are stronger than most.
- Investments abroad
- Other projects and purposes
- Tailored with the bank
Purchase mortgage
The right financing for your next property, matched to you and the deal.
- For multifamily and other properties
- Several banks compared
- A clear overview of all offers
Construction and renovation
Financing for renovation, extra floors or new builds.
- Renovation and refurbishment
- Extra floors and extensions
- New builds
Lower amortisation
Reduce or remove amortisation, and improve your rate.
- Reduce or remove amortisation
- Good rates
- Check anytime, not only at maturity
Exit a fixed-rate mortgage
A fixed-rate mortgage or SARON with a framework agreement is no obstacle when you increase your mortgage.
- Up to 18 months before maturity, usually no penalty
- Beyond that, only for the time over 18 months
- Applies when refinancing with an increase
Example
How your property becomes equity
| Net rental income per year | CHF 300,000 |
| Possible mortgage, with amortisation | from CHF 5,300,000 |
| Current mortgage | CHF 3,500,000 |
| Additional capital | from CHF 1,800,000 |
Illustrative example only. The actual amount depends on the region, the town, the condition of the property and your personal details.
Mortgage calculator for residential buildings
How much mortgage can your building get?
Enter the net rental income and see right away what mortgage you can expect.
With amortisation–
Without amortisation–
Indicative only. The final amount depends on the region, the town, the condition of the property and your personal details.
Free check on WhatsApp
Leaving a fixed-rate mortgage early
What does it cost to exit your fixed-rate mortgage?
Want to increase your mortgage but still tied to your bank? There are solutions. Calculate what an exit costs and what you save with us.
Without our solution–
With S.R.S., when increasing the mortgage–
Possible saving–
When refinancing with an increase of the mortgage: in the vast majority of cases no penalty up to 18 months before maturity, beyond that only for the time over 18 months. SARON with a framework agreement: usually about 1% of the balance. Indicative.
Detailed calculation and full explanationHow it works
Three steps to a better mortgage
- 01
First conversation
Tell us your plans. You upload your documents easily in your personal area.
- 02
Bank offers
We obtain offers and show them in a clear table: today versus new.
- 03
Closing
You choose the right offer. We stay with you until the payout.
Documents
Your document list, matched to your plans
Choose your request and download the list. It is in German, so you can forward it straight to your property management, which holds many of the documents.
PurchasePDF · German
Refinancing or increasePDF · German
Renovation and conversionPDF · German
New build and extra floorsPDF · German
As a client you also get a personal area. There you can see at any time what is in and what is still missing, and your property management can upload the property documents directly through its own link.
FAQ
Good to know before we start
My fixed-rate mortgage is still running. Can I still increase it?
Yes. When refinancing with an increase, in the vast majority of cases there is no penalty up to 18 months before maturity, and beyond that only for the time over 18 months.
Can I use capital from my property for an investment abroad?
Yes, in many cases. This is exactly where we are stronger than most. We review your situation without obligation.
Do you also finance renovations and construction?
Yes. Renovation, extra floors and new builds.
Who do you work for?
For Swiss citizens and clients living in Switzerland or abroad. We arrange mortgages exclusively for properties in Switzerland.
Let us review your mortgage.
Leave your details and we will get back to you personally. Or call us directly.
info@srsproperty.ch Prefer WhatsApp? Send a short messageUntermüli 9, CH-6301 Zug