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

Описание: 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

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