Sorry if this has been covered earlier, I have not found it.
In this case, assume one takes the mortgage from an bank other than VIAC (Wir) or Frankly (ZKB), what is the best way to do the indirect amortisation?
There’s no best way as there is only one way to do it, by using their (expensive) products, or at least I don’t know of any bank that accepts any other 3a solution than their own as a collateral.
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I never went directly via the banks for the mortgage, I have used a number of “courtier”: personally I used Moneypark twice (when it was D+L) and once another one in Geneva which I think has folded.
In Vaud, I also heard about Hypo21, they should be ex-D+L staff.
All the best for your purchase
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It’s my turn to look into this. I need to renew my mortgage early next year and plan to increase it to fund some home repairs.
Are brokers like MoneyPark or Hypotheke.ch suitable for this, or do they only handle straightforward renewals without increasing the amount?
They also take care of increasing the mortgage.
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Great, thanks !
Let me know how it went, I would like to do the same in about a year from now.
Hopefully the yield decreases a little bit until then. However, I assume that I will not be able to renew for the same conditions that I did back in the days (7 years for 0.59%) I guess that was a historical low.
If anyone has a referral link for MoneyPark, I’d appreciate receiving it via PM. Thanks in advance 
!
Hi, can you share the referral link with me? (I’m new here and I couldn’t figure out how to DM people 
)
There’s no referral link. It’s a form and you need to fill it with your personal data.
Regarding MoneyPark, I would not trust them again. Given the market situation back in Sep '24 hindsight is a wonderful thing but I do not believe a balanced view was presented, rather a push to sell Helvetia products.
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