Mortgage loans

The financing strategy you choose to purchase your home needs to dovetail with the overall structure of your wealth. And for that, it must be aligned with your financial situation and be tax-efficient.

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The 28 February 2018

For the greater good of your wealth

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Top-notch solutions

We offer short-, medium- and long-term mortgage loans secured against a primary or secondary residence in Switzerland. As part of our 360° approach to managing your wealth, we also offer lending solutions for the purchase of residential rental properties. We will sit down with you to determine the best financing solution in view of the various financial and tax impacts that the purchase of a property will have on the structure of your wealth.

Keeping the right balance

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 be more appropriate? We can help you sort through the various options and complexities, making sure that nothing has been overlooked and that you have planned for every eventuality. 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. Property investments can be risky for the lender and the borrower alike. Changes in interest rates or a property market downturn can both have adverse effects. And things can go very wrong if the total financing costs were underestimated. That’s why our experts are on hand to conduct a thorough analysis of the property in question and ensure that the amount of your loans and the related expenses do not exceed your borrowing capacity over the long term.

A range of options

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 addition to managing interest-rate risk, we offer sophisticated solutions for maximising your investment and a number of ways to reduce your tax bills.

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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.

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