Mortgage overdraft facility
Financial flexibility for your own home or investment property
The mortgage overdraft facility is an account with a discretionary credit limit that offers you more flexibility when you want to purchase, maintain or extend your real estate.
Mortgage overdraft facility at a glance
Term
Indefinite
Interest rate
Variable
Conditions
For residential and investment property
Mortgage overdraft facility is an account with a discretionary credit limit: a reserve for unplanned purchases and expenditure that you can access quickly.
There are no restrictions on use.
Services / conditions
Interest rate: variable
Term: indefinite (may be canceled at any time by either side)
Amount: 25,000 to 200,000 francs (depending on the property’s market value)
Interest rate risk: interest rate fluctuations are possible
Collateral: secured by a mortgage on your home
Interest rate: variable
Term: indefinite (may be canceled at any time by either side)
Amount: 100,000 to 500,000 francs (depending on the property’s market value)
Interest rate risk: interest rate fluctuations are possible
Collateral: secured by a mortgage on your investment property (multi-family homes or office and commercial properties rented to third parties)
Expert tip
A mortgage overdraft facility is primarily a rapid credit facility for unexpected purchases and expenses. If you need more capital over a longer time frame, a mortgage is generally the better and cheaper option.
Our advice – your benefits
- Verification of the purchase price based on reference properties and location
- Comprehensive information on the municipality, price level and tax rate
- Development of the perfect financing strategy for you
- On request: mortgage decisions within 24 hours
Our experts are here for you – we look forward to speaking with you.
Special offers
Special offers for your first mortgage or loan, renovation work on residential property and for energy-efficient, sustainable construction.
