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Financing services for buyers and homeowners

Independent financing advice, and the best offers on the market: know what you can buy, get the right mortgage, and pay less when you renew.

Get my financing passport

3 minutes online
Independent experts
Banks, insurers and pension funds compared

Our financing services

Three services, one team of independent experts

Whether you are looking, buying or renewing, start here.

Affordability

In 3 minutes, get your financing passport and be clear about what you can buy before you visit anything.

Get my financing passport

New mortgage

The best rate for your loan: compare offers from several lenders, with an expert on your side.

Simulate my mortgage

Refinancing

Renewing your mortgage? Calculate what you would save and get the best current offer on the market.

Get my refinancing offer

Live from the market

Current mortgage rates in Switzerland

The rates RealAdvisor Finance obtains today, by term.

Fixed 2 years0.89%
Fixed 5 years1.11%
Fixed 10 years1.39%
SARON0.75%

Rates updated on 14 September 2026 · Indicative rates; your offer depends on your file.

See all rates

Future buyers

Are you clear on what you can buy?

Before you visit a single property, know your purchasing capacity. The financing passport takes 3 minutes online and tells you where you stand, so you can make an offer with confidence when the right home comes up.

A detailed analysis of your purchasing capacity
Access to listings before publication and off-market
Save time and be ready when a transaction comes up

Get my financing passport

Buyers

Get the best mortgage offer

One solid file, prepared once, and presented to several lenders. Our independent experts compare the offers of banks, insurers and pension funds and negotiate the best financial terms for you.

Prepare a solid file, once
Independent expert advice
Offers from several lenders, compared
The best financial terms

Simulate my mortgage

Homeowners

Save when you renew your mortgage

Fill in your request online and see your potential saving straight away. A local expert then calls you to define your project, we collect your documents and prepare your file, and our specialists negotiate the best renewal offer with our financial partners.

Calculate your potential saving online
Talk to a local expert
Your file prepared for you
The best renewal offer, negotiated

Get my refinancing offer

Why RealAdvisor Finance

Independent advice, from the first analysis to the signature

RealAdvisor Finance is independent of banks and insurers. Its experts work for you, on your whole project.

Independent of the lenders

Our experts are not tied to a bank or an insurer. They compare, and they recommend what is best for your file.

Several lenders, one file

Banks, insurance companies and pension funds all lend on property. Your file is prepared once and presented to all of them.

A local expert who calls you

Once your online request is in, an expert near you calls to understand your project and takes it from there.

Your file, prepared for you

We collect your documents and put the file together, so the lenders see a complete, convincing application.

Frequently asked questions about financing

What is the financing passport?

A summary of your purchasing capacity, established in 3 minutes online from your income, your own funds and your situation. It tells you what you can buy and shows sellers and agents that your financing is serious.

Who are the lenders you compare?

Banks, insurance companies and pension funds. All three lend on property in Switzerland, often at different conditions; our experts present your file to several of them.

Is the advice independent?

Yes. RealAdvisor Finance is independent of banks and insurers. The experts recommend the offer that is best for your file, whoever makes it.

How does a refinancing work?

You fill in your request online and see your potential saving straight away. A local expert calls you, we collect your documents and prepare your file, and our specialists negotiate the best renewal offer with our financial partners.

How do I contact RealAdvisor Finance?

By email at info@realadvisor-finance.ch, or by starting a request online: an expert calls you back.