Mortgages and real estate

Banks and mortgage brokers usually recommend the mortgages that earn them the most money. By contrast, at VZ we always recommend our customers the mortgage that will cost them the least over the long term. We will provide detailed answers to any questions you might have about real estate – whether about buying a property, for example, or tax- and inheritance-law-related issues. Even if you only want to know how much a property is worth or you would like to sell it, you’ve come to the right place at VZ. We professionally value properties and find the right buyer on your behalf.

Pay less interest on your mortgage by choosing the right strategy

Appointment

Free-of-charge first consultation

Talk to one of the experts at VZ. The first consultation is free-of-charge.

Mortgage management

Choosing the right mortgage and term largely depends on how interest rates will change in the future. Even if interest rates are extremely likely to remain constant or fall in coming years, banks and mortgage brokers prefer to recommend fixed-rate mortgages with long terms. These mortgages earn them the most money. As a property owner, fixed-rate mortgages are only a good idea if interest rates are expected to rise significantly and remain high over the longer term. 

This conflict of interest for banks and brokers results in many property owners paying far too much interest over the years. If you let VZ manage your mortgage, we make sure that you are ideally positioned at all times and pay as little interest as possible. Together with you, we develop a mortgage strategy that is based on both the expected changes in interest rates as well as your personal risk capacity. This means you can save a lot of money over the years.

Mortgage monitoring system

It is a good idea for property owners to cheaply take out money market mortgages for as long as possible and to only switch to fixed-rate mortgages if interest rates rise over the long term. With our mortgage monitoring system, we have developed an intelligent interest rate hedging tool: the VZ mortgage alarm notifies you in good time if interest rates for fixed-term mortgages rise above or below a threshold that you have specified. This provides effective protection against your interest costs rising significantly even if you have a money market mortgage.

Offer

VZ Financial Portal

VZ customers use their favourite banking services online.

Appointment

Free-of-charge first consultation

Talk to one of the experts at VZ. The first consultation is free-of-charge.

Real estate pension scheme

An increasing number of retirees own homes which are largely paid off. However, their income is often too low and they do not have enough liquid assets to cover their living costs. With a real estate pension scheme, you can boost your income without having to sell your home. VZ is the largest provider of real estate pension schemes in Switzerland. Our mortgage experts will help you find and implement a solution, whatever your situation.

Award

Long-time quality leader

The VZ VermögensZentrum is awarded by "Bilanz".

Appointment

Free-of-charge first consultation

Talk to one of the experts at VZ. The first consultation is free-of-charge.

Real estate valuation

Anyone wanting to buy or sell a property should know its current market value. Other reasons for wanting to value a property can include a divorce, inheritance or planned investment. Each year, VZ’s valuation experts value several hundred properties on behalf of their customers. They professionally calculate the market value using the latest valuation methods in line with the quality standards and professional ethics set out by the Swiss Institute of Real Estate Appraisal (SIREA). Depending on the property and the purpose of the valuation, they can recommend either a hedonic valuation or a traditional valuation involving a viewing.

Appointment

Free-of-charge first consultation

Talk to one of the experts at VZ. The first consultation is free-of-charge.

Sale mandate

Properties often account for a significant proportion of people’s total assets. This is why when selling a property, you must be sure that you are getting the best possible price. We recommend that you consult a professional partner in this regard.

VZ’s property experts determine the market value of your property, put together a realistic sale concept and help you find the right buyer. We also ensure that your sale is conducted in a professional manner and advise you on any questions you may have relating to mortgages and other financial matters.

Unlike many other brokers, which often demand a sales mandate with a minimum duration of six or more months, our contracts are more customer-friendly and can be terminated at any time if you are not satisfied.

Offer

VZ Financial Portal

VZ customers use their favourite banking services online.

Appointment

Free-of-charge first consultation

Talk to one of the experts at VZ. The first consultation is free-of-charge.