Finance a new purchase
Your journey to home ownership
About to buy your dream property? Congratulations! Financing is the next crucial step. We’ll be happy to help you find the perfect mortgage for your home.
Stress-free financing with PostFinance
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Free, individual consultation
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Support with obtaining documents
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A choice of different mortgage models and terms
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Create a personal offer directly online
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Fast financing confirmation
You’d like to know whether your future home is financially viable? Find out easily with our mortgage calculator. You can also see what monthly costs you should expect based on our current interest rates.
Tell us more about yourself and your dream property in a free consultation. You decide whether you’d like us to advise you online, over the phone or at your local branch. Together, we’ll examine how you can optimize your financing. You’ll receive an offer tailored to your needs during the consultation.
Useful information: Once we’ve successfully reviewed your financial situation, we’ll issue you with a financing confirmation.
Get your personal offer now
Alternatively, you can create your non-binding mortgage quotation directly online in just a few steps. You can download your personal offer as a PDF.
Found the right financing at PostFinance? Perfect! Compile the last documents required for your application with the help of our specialists and our checklist.
You’ll receive your contract to sign and we’ll make sure that your financing is processed smoothly.
Financing with attractive interest rates
Discover our current interest rates: protect yourself against rising interest rates with a 2 to 15-year fixed-rate mortgage or stay flexible with a Saron mortgage.
FAQs on initial financing – in simple terms
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At least 20% of the purchase price must come from equity. At least half of this must be “hard assets” – in other words, assets that don’t come from the pension fund (e.g. savings capital, pillar 3a, securities, gifts). The more equity you contribute, the lower your mortgage and therefore your monthly payments.
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With PostFinance, you can choose between a fixed-rate mortgage, a Saron mortgage or a combination of both.
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In our checklist, you will find an overview of the standard documents. Please feel free to contact our experts to clarify your individual situation so that we can assist you in obtaining your documents.
The link will open in a new window Checklist for mortgage application (PDF)
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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 5 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.
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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.
