The 360 Series

Buying a home: a winning decision

Welcome to the first episode of our 360° series dedicated to primary residence property. A complete journey through the essential stages of bringing your dream home to life.

9.2/10

Overall customer satisfaction score
Source: 2025 NPS study

Episode 1/5

The decision to buy or rent is a pivotal one, with significant financial and tax implications that will shape your future lifestyle.

In Switzerland, economic and political stability, supported by the strength of the Swiss franc, controlled inflation, and a particularly low unemployment rate, creates a favourable environment for investment. Yet only 36% of residents are homeowners. This is one of the lowest homeownership rates in Europe and has remained broadly stable in recent years.

Against this backdrop, the Swiss real estate market continues to stand out for its resilience in the face of global economic uncertainty, with property prices having risen almost uninterruptedly for more than a decade.

After a year in 2022 marked by rising interest rates, prices continued to increase, with gains of +7% for single-family homes and +5% for condominiums (PPE).
In 2023, momentum remained positive, with annual growth of around +4% to +5% for both houses and condominiums, driven by strong structural demand and limited supply.
In 2024, growth eased slightly amid a stabilising economic environment and expectations of interest rate cuts. Prices nonetheless continued to rise, albeit at a more moderate pace, estimated at between +2% and +3% nationwide.
In 2025, the upward trend continued, with a widespread increase in residential property prices, exceeding that of 2024. This growth was fuelled by sustained demand in the face of limited supply. According to various analyses, price increases in 2025 ranged from +3.5% to +6–7%, depending on the segment (houses, condominiums) and the region.
For 2026, forecasts point to a continued rise in prices, albeit at a more moderate pace. Average growth is expected to range between +2% and +4%, driven by a persistent housing shortage amid strong demand, continued demographic growth, and attractive financing conditions.

Acquiring a property nevertheless remains a significant commitment, often associated with long-term debt. Taking the first step can therefore feel daunting.

en-enjoy home

Let’s explore this decision together, delving into the key advantages and opportunities that come with purchasing your primary residence.

Turning your expenses into an investment

Purchasing your own home means leaving rent behind. Rather than paying a landlord, each mortgage payment contributes to building your own property wealth, transforming everyday expenses into a solid long-term investment.
The freedom to make it your own

Owning your home gives you complete creative freedom. Every detail, from finishes to layout, can be tailored to express your personality and create a space uniquely designed for your lifestyle.
Secure your golden years

Owning a home provides long-term financial security for retirement. Once the mortgage is repaid, monthly housing costs are significantly reduced, while renters continue to face recurring rental costs that weigh on their budget.
Stability in a competitive market

In a highly competitive property market, finding affordable rental housing can be challenging. Homeownership offers long-term residential stability and greater peace of mind.

Go to the next episode

Book an appointment

Ready to speak with a financing expert about your property plans?
We are here for you.

The 360 Series

Buying a home: a winning decision

Piguet Galland designed the 360 Series to provide you with the essential keys to bringing your projects to life. This series explores all the questions you may have when purchasing your primary residence in Switzerland.

Episode #1

Buying a home: a winning decision

Let this series accompany you, step by step, on your journey to owning your primary residence.

Episode #2

Knowing what you want

Building your own home is a major investment that deserves careful consideration of your needs and aspirations.

Go to Episode 2

Episode #3

Setting the right budget

Determine the maximum amount you can reasonably commit to acquiring your primary residence, taking into account your overall financial position.

Go to Episode 3

Episode #4

The right financing for your project

From traditional mortgages to Lombard loans, explore the key features of fixed, variable and SARON-based interest rates.

Go to Episode 4

Episode #5

Understanding property taxes

Becoming a homeowner is a major milestone that comes with specific tax considerations. Purchasing a property involves a range of tax implications that should be carefully assessed.

Go to Episode 5

What our clients say about us.

Piguet Galland offered us a number of different scenarios to help us through this major change in life, retirement.
Happiness is knowing that I have someone who will bring their expertise to advise me and ensure my life is carefree.
At Piguet Galland, the human factor takes center stage. We genuinely listen to understand and provide solutions, not merely to sell."
I wanted to purchase and renovate a house through an auction, which required immediate payment. Fortunately, your company performed exceptionally well."
Piguet Galland is the financial partner that's close to my heart. I have complete trust in them. In this bank, you get to know them on a personal level, and that's of utmost importance."
The aspect of the Bank that resonated with me in the past and to this day is trust, which is conveyed through a sense of closeness and, most importantly, a dedicated point of contact."
What I value most about Piguet Galland is the service and the trust-based relationship I have built with the various advisors I have worked with over the past thirteen years, all of whom have consistently been excellent."
Throughout the years of building a trusting relationship with Piguet Galland, I have realized that a bank can be a lifelong partner for significant milestones."