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EU/EFTA nationals and non-EU residents holding a C residence permit can buy property and apply for a Swiss mortgage on the same basis as Swiss citizens. Non-EU/EFTA nationals with a B permit can only buy one Swiss property to live in and therefore can take out only one mortgage on this property.

Non-residents who have the right to buy Swiss property can apply for a mortgage; however, they will usually have to meet certain conditions. These vary across banks and other mortgage lenders. Conditions can include meeting financial requirements, having close personal ties to Switzerland and having suitable reasons for buying Swiss property.

Types of Swiss mortgage

Buyers can expect to the following types of Swiss mortgage:

1. Ìý

   •ÌýÌýÌýÌý Fixed-rate mortgages: paying back a fixed regular amount over a fixed term. Fixed-rate mortgages in Switzerland can be set for certain durations, usually up to a maximum of around 15–20 years. Some Swiss lenders offer forward or future fixed-rate mortgages, where the borrower can agree to the payment terms on a Swiss mortgage with a future start date.

2. Ìý

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