Your experience with Mortgage Brokers (First mortgage, Hypoplus, moneypark, Hypotheke.ch)

Real Estate
42

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?

43

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.

1 Like
44

I can’t publicly state them here on the forum but there are definitely banks/pension funds, which accept VIAC/Finpension as collateral as well as for indirect amortization.

Edit: Looks like a lot of people are interested in who those banks are. I will check with the entities to not spread false information on here.

8 Likes
45

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

1 Like
46

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?

47

They also take care of increasing the mortgage.

2 Likes
48

Great, thanks !

49

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.

50

If anyone has a referral link for MoneyPark, I’d appreciate receiving it via PM. Thanks in advance :smiley:!