Are you looking for a good bank that can offer you a favourable mortgage for your condominium, townhouse, single-family house or multiple dwelling in Basel? Then you've come to the right place. With over 10 years of experience, we have been able to advise several hundred satisfied clients independently, neutrally and professionally. No matter whether you need a new mortgage or a refinancing of your existing mortgage, we can help you with all your concerns. Comparing mortgages in Basel is worthwhile for you and we relieve you of the tedious work. We negotiate with the banks so that you get the lowest mortgage interest rates in Basel and a favorable financing for your home. When comparing mortgages, we compare well-known big banks for you, but also insurance companies, because in recent years more and more major insurance companies have been offering good mortgages. In recent years, many mortgage borrowers have paid thousands of francs too much for their mortgages or have had to bring too much equity to the bank because they have not compared the various offers correctly. Many mortgage holders are also unaware of the various options between a fixed-rate mortgage, Libor mortgage or a variable-rate mortgage with different terms. Each mortgage has its advantages and disadvantages, which are taken into account during a personal consultation. In addition, the mortgage holder must also be aware of what type of investment he or she is. A Libor mortgage, for example, is currently very inexpensive, but interest rates can change quickly. If the mortgage borrower has sleepless nights as a result, this would be the wrong mortgage. With a fixed-rate mortgage, not only the bank can plan long-term, but also the mortgage borrower, and you usually have 5 to 10 years of rest.
A comparison of the current mortgage offers of various big banks and insurance companies is always worthwhile. But it is also associated with a great deal of work and also requires sound know-how in order to obtain the best and cheapest interest rates. That's why we relieve you of the work of comparing interest rates and negotiate directly with the various providers. In a free of charge yield discussion we look together at your desired object and conceive a strategy, so that you receive the best conditions and are accepted also by the banks or insurances as a mortgage taker.
Call us at 061 633 15 15 or send us a message for a free comparison and consultation.
Here you will find an excerpt of the current mortgage interest rates.
|Anbieter||Festhypothek 2 Jahre||Festhypothek 5 Jahre||Festhypothek 10 Jahre|
|Allianz Suisse||0.800 %||0.850 %||1.150 %|
|Swiss Life||-||0.850 %||0.950 %|
|Vaudoise||-||0.920 %||1.200 %|
|Generali||1.000 %||1.050 %||1.100 %|
|Migros Bank||1.050 %||1.050 %||1.280 %|
|Raiffeisen||-||1.050 %||1.570 %|
|AXA Winterthur||-||1.060 %||1.120 %|
|Credit Suisse||1.100 %||1.060 %||1.310 %|
|Basler Kantonalbank||1.040 %||1.090 %||1.330 %|
|Bank Cler AG||1.060 %||1.110 %||1.360 %|
|WIR Bank||1.140 %||1.120 %||1.310 %|
|PostFinance||1.000 %||1.150 %||1.000 %|
|Helvetia||1.150 %||1.200 %||1.310 %|
|Valiant Bank||1.150 %||1.200 %||1.500 %|
Which mortgage is best for you?
Would you like to take out a new mortgage or extend an existing one and are not sure which mortgage is best for you? The question cannot be answered conclusively, as every personal situation is different, but we can give you some helpful tips.
1. be advised independently before concluding a transaction
We independently compare banks and insurance companies for you and achieve the best conditions for you, as we know the market and the needs of banks and insurance companies. In addition, you have the security that the property really has as much value as it is advertised.
2. we show you the risks
What are the disadvantages of different mortgages and how much risk do you want to take?
Disadvantages fixed-rate mortgage:
Tied to the bank or insurance company over several years.
If interest rates fall during the term, the customer does not benefit.
Premature termination results in high costs.
Disadvantages of the Libor mortgage:
Planning over several years is not possible.
Strong financial burdens with rising interest rates.
The market situation must be constantly monitored.
3. avoid being tied to a bank for several decades.
Anyone who decides to take out a long-term policy with a bank or insurance company should make sure that the mortgages are not tranched. The disadvantage of carving is that you cannot change the whole mortgage at once. In addition, you are not in a good position to negotiate interest rates, as you will have to stay with the bank or insurance company anyway.
4. renew mortgage before expiration
When the mortgage expires, the borrower should take care of a renewal at least 1 to 2 years before expiration. In most cases, the bank will contact you shortly before the mortgage expires. Another important point is that you don't miss the notice period. Many customers do not know that they can renew the mortgage 1 to 2 years before renewal and thus benefit from a possible low interest rate phase.
5. compare banks and insurance companies
By making a comparison, you can save up to CHF 50,000 over the entire term. You can use this money for amortization or treat yourself to beautiful things in life. In recent years, more and more insurance companies have been granting mortgages. An insurance solution should also be looked at in a comparison.
Do you have any questions? Then write us a message or call us to make an appointment.