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.
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.
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.
The strategy chosen to finance a property purchase must make financial and tax sense, otherwise it could undermine your broader wealth-management approach.
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
L'ECAL de Lausanne, Les Thermes de Vals, Le KKL de Lucerne, La Banque Piguet Galland à Genève, Le Design Basel/Miami, Le Mudac à Lausanne
When you invest, always keep the following rules in mind.
Les investisseurs sont de plus en plus nombreux à reconnaître la valeur des critères de responsabilité sociale d’une entreprise. Il est donc essentiel de pouvoir leur présenter une offre de qualité qui intègre une réflexion éthique. Notre certificat HELV-ETHIC s’inscrit dans cet esprit.
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.
Others life goals
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.Find out more
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.Find out more
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.Find out more