Is your mortgage due to expire soon and you want to extend it? Take advantage of this unique opportunity and adjust your existing financing to your current life situation. Our experts will show you the best way to extend, increase or replace your mortgage.
With our online calculator, you can calculate the refinancing of your property in just a few steps.
Often the financial situation has also improved over the years due to salary increases. Use this opportunity to pay off or increase part of your mortgage, e.g. in view of a planned extension or renovation. Amortising your mortgage can have tax advantages. Conversely, there are financial benefits if you increase your mortgage. We are happy to assist you with our personal advice on renewing your mortgage.
To protect you against rising interest rates, your current mortgage can be extended several months in advance. You can take out the new mortgage on a fixed date and lock the current interest rate. The important thing is to take early action with follow-up financing. Most mortgage lenders offer early extension of the mortgage between 6 and 24 months before the existing tranche expires. As a rule, hedging within 3 to 6 months in advance is free of charge.
You usually finance your home with several mortgage tranches. It can therefore be a hindrance if one instalment expires this year, for example, and a second only in two or three years. With a time difference of 12 to 18 months between the two tranches, a switch to another bank is not a problem. However, anyone taking out a fixed-rate mortgage should be aware that if the time difference between the mortgages is too long, they will be tied to the existing provider. Contact us if you are unsure - we will be happy to help you.
Extend the mortgage
Extending a mortgage involves less effort than negotiating the first mortgage. This is because the bank already has all the documents and in most cases the mortgage amount has been reduced as a result of amortisation. This option makes sense if your current bank or insurance company makes you a good offer for refinancing.
Increase your mortgage
If you want to renovate, convert or modernise your home, you will need funds to do so. An increase can make sense in several cases and gives you the necessary financial leeway. Our experts are happy to explain when it makes sense to increase your mortgage and what conditions apply.
Adjust your mortgage
Life circumstances change, as does the interest rate environment. Together we can adapt your mortgage strategy to your current situation. Take the opportunity to switch to a different mortgage model or even to another financial institution if it offers more favourable conditions than your existing bank.
Resolve works with the strongest financing partners in Switzerland to find the right property financing for you.
We modernise mortgages in Switzerland to get you the best deals faster and easier, whatever your project.
Benefit from personalized advice on insurance, amortization strategies and tax optimization.
We analyze all the temporal impacts of a real estate purchase to help you optimize your fiscality in the long term and secure your future.
