Can You Get a Swiss Mortgage as a Non-Resident? скачать в хорошем качестве

Can You Get a Swiss Mortgage as a Non-Resident?

Get tailored advice on financing property in Switzerland here: https://snowonly.com/contact?plus Can non-residents really get a mortgage in Switzerland? Yes — and in some cases with interest rates as low as 1–2%. In this interview, we speak with Savannah from NS Global, an international mortgage broker specialising in Switzerland and other European markets. If you’re considering buying a Swiss ski property, holiday home, or high-value investment, this breaks down exactly how Swiss financing works for international buyers. We cover: • Loan-to-value for non-residents (60–80% standard, up to 100% via private banks) • Retail banks vs private banks in Switzerland • Debt-to-income rules and why banks stress test at 5% • Swiss mortgage rates (fixed vs SARON variable) • Interest-only options • Minimum loan sizes for overseas buyers • US client restrictions and solutions • How long a Swiss mortgage really takes (4–6 weeks in straightforward cases) • When to speak to a broker before making an offer Swiss banks are conservative and property-specific. Zoning, valuation, documentation and your income structure all matter — especially for business owners, multi-income earners and high-net-worth buyers. If you’re looking at buying property in Switzerland, particularly ski property, understanding the financing structure before you offer can significantly increase your options. Timestamps: 00:00 Can Non-Residents Get a Swiss Mortgage? 00:36 Meet Savannah – International Swiss Mortgage Broker 02:11 Swiss Mortgage Criteria Explained (Retail vs Private Banks) 04:23 Loan-to-Value: 60–80% Standard, Up to 100% Possible 05:21 Minimum & Maximum Loan Amounts for Non-Residents 06:28 Deposit Requirements & How Complexity Affects LTV 07:47 Restricted Countries & US Buyer Challenges 09:40 How Long Does a Swiss Mortgage Take? (3–5 Days to Terms, ~6 Weeks Completion) 11:36 When Should You Speak to a Mortgage Broker? 13:10 Swiss Mortgage Rates (1–2% Fixed, SARON Variable, Private Bank Options) 14:38 The Mortgage Process Step-by-Step 15:37 Quick Fire Round – Myths, Fastest Turnaround, Key Advice 17:24 Final Advice: Speak Early for the Most Options SnowOnly helps buyers navigate the realities of buying ski property abroad — from locations and lifestyle to process and pitfalls. Explore properties: → https://snowonly.com Grab our FREE 5-Step Guide to Buying a Ski Property Abroad: → https://snowonly.com/pages/france-pro... Join our buzzing Discord community for insider tips first: →   / discord   Get buying advice: →https://snowonly.com/contact