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.

The conditions for repayment are freely definable (no consultation required).

Condition: you cannot pledge or make early withdrawals from occupational pensions (pillar 2) or restricted retirement accounts (pillar 3a).

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.

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