Buying a home or expanding your property portfolio

  • Buying real estate in order to diversify your wealth,
  • Defining the right financing strategy for you,
  • Creating a property portfolio to pass along to your children.
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Is an all-cash transaction the right choice? Or would a mortgage loan be more appropriate? Together, we will go through all of the many factors that need to be carefully considered and help you sort through the various options and the complexities. For us, it’s about more than simply providing you with a financing solution – we want to make sure that the option you choose is perfectly aligned with your overall wealth management strategy. It is essential, for example, that your loans do not prevent your capital from growing and that you will be able to maintain the same quality of life once you retire.

We help you to achieve peace of mind

When it comes to financing, our experts will help you define the best possible arrangement that will not upset your asset allocation or interfere with your financial well-being. We offer fixed-rate, variable-rate and indexed mortgage loans with various terms. This means we can tailor our financing to your needs, while at the same time taking into account the overall economic context in accordance with the views of our investment management committee.

In Switzerland, 38% of households own their home, although this figure varies considerably by canton. This is one of the lowest levels of home ownership in Europe.
Swiss property prices have risen constantly for the past 17 years. The market is now losing steam, with prices starting to fall in some regions and market segments.
Fewer than one in three Swiss residents live in a single-family home. This type of building represents 57% of all residential property, a figure that has been declining since 2010.
The vacancy rate in Switzerland reached 1.30% at 1 June 2016, a level not seen since the early 2000s. This rate looks set to rise further even though the Swiss market is stabilising.

Case study

One of our clients planned to sell her securities portfolio in order to buy an apartment for one of her sons. Since mortgage interest rates are currently so low, around 1.5% on long-term loans, we advised her to take out a loan instead. That made more sense than to tap into a large amount of invested capital that has earned an annualised return of around 3.5% over the past 15 years. Our client took out a 10-year loan for 1.2 million Swiss francs, saving a total of 400,000 Swiss francs.

Acheter un appartement pour aider ses enfants à s'installer dans la vie

Investing wisely

Property investments are not risk-free. Before you borrow money to make a purchase, our specialists will ensure that the total amount of loans and related expenses do not exceed your borrowing capacity.

Property strategy

The strategy chosen to finance a property purchase must make financial and tax sense, otherwise it could undermine your broader wealth-management approach.

Budgeting smart

Preparing a budget is a crucial step when acquiring property. The first step is to determine how much you can pay as a deposit and what your borrowing capacity is. You then need to add up the price of the property, acquisition costs, fees and estimated renovation costs, and take into account the impact that a property investment will have on your future tax situation and cash flows.

Handing down properties

You may plan to pass your property portfolio along to your children. There are several ways to do this while you are still alive, including in the form of a gift. Our experts will help you to come up with the best strategy.

Here’s how we can help you to achieve your life goals

We will sit down with you and analyse your wealth situation: your finances, your current needs and your life goals. We will then come up with a comprehensive solution aimed at optimising your financial and tax situation.


Piguet Galland
private bankers since 1856

Piguet Galland was created from the merger of two longstanding private banks. As part of BCV Group, we are able to draw on the expertise of a large banking group.


Our teams move to our new Pléiades building in Geneva.


BCV Group buys Banque Franck, Galland & Cie SA.

Banque Franck acquires Banque Galland in Lausanne and becomes Franck, Galland & Cie SA.


Banque Cantonale Vaudoise takes a majority stake in Banque Piguet & Cie, which is then incorporated.

Mobilier conçu dans les années 30 et dessiné par Franck Lloyd Wright

Alain Franck fonde la Banque Franck à Genève.

Banque Galland

Alfred Galland founds Galland & Landis in Lausanne.

Banque Piguet

Alfred Piguet marries Louis Michod's daughter, and Banque Michod becomes Banque Alfred Piguet & Cie.


Banque Michod, the first private bank in Yverdon-les-Bains, is founded.

Others life goals

Life goal
Moving to Switzerland or another country

Moving to Switzerland or another country

We draw on our expertise in international financial, tax and administrative matters in order to design an optimal solution for managing your finances and growing your wealth regardless of where you live.

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Life goal
Orchestrating your finances – as a duet

Orchestrating your finances – as a duet

Ideally, you will build up your wealth progressively throughout your life. Depending on your professional and family circumstances, your wealth will be affected by different milestones that may be unrelated to your time horizon and life goals.

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Life goal
Safeguarding your children’s future

Safeguarding your children’s future

As you consider what you and your family want to achieve in life, one of your main concerns will be making sure your children get off to a good start. We have unparalleled advisory expertise in this area.

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The Piguet Galland & Cie SA website (the "Site") describes the activities of Piguet Galland & Cie SA in Switzerland. Piguet Galland & Cie SA does not offer its services outside of Switzerland, and the Site is meant solely for individuals and legal entities domiciled in Switzerland, along with existing clients of Piguet Galland & Cie SA.

Personal informations
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