A 360° analysis
We will sit down with you to determine the best financing solution in view of your overall financial situation and the impact the investment – most commonly the purchase of a property – will have on the structure of your wealth. Together, we will go through all of the many factors that need to be carefully considered. Is an all-cash transaction the right choice? Or would a mortgage loan or a Lombard loan be more appropriate? We can help you sort through the various options and the complexities, making sure that nothing has been overlooked and that you have planned for every eventuality.
A strategic approach
We are one of only a handful of private banks that offer mortgage loans and Lombard loans. 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.
Flexible solutions
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.
Given the risks involved in property investments, our experts will be on hand to ensure that the amount of your loans and the related expenses do not exceed your borrowing capacity.
Access to cash
Lombard loans are credit facilities granted against readily marketable collateral such as a portfolio of securities. These loans give you flexible access to cash on attractive terms. As with our mortgage loans, we can tailor our Lombard loans to your particular situation.
Gauge
En complément du travail d’analyse mené sur les stratégies de financement, nous proposons également à nos clients des mesures de rentabilité très avancées et des schémas d’optimisation fiscale à multiples options.
Broaden
As part of our 360° approach to managing your wealth, we offer a variety of lending solutions for the purchase of residential rental properties.
Fine-tune
You can choose the term of your Lombard loans based on your needs. These loans are granted in the form of either a current account credit limit or fixed-term advances with a set interest rate. The amount of the credit limit will depend on the value of the assets pledged as collateral.
Guarantee
If you are taking out a mortgage loan on a primary or secondary residence or a rental property, you can pledge any assets you may have in a personal retirement plan as collateral. You can also do the same for commercial loans.
Find out more about what we have to offer you
To go deeper
Indemnité de départ et prévoyance : 4 précieux conseils
Au-delà du choc qu'il peut procurer, un licenciement soulève des questions complexes. Il existe quelques options permettant, en période de chômage, de réduire certains coûts.
6 lieux design à visiter en Suisse
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
Certificat d'actions HELV-ETHIC
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.