Transfer a mortgage
Optimise your loan with the redemption of your mortgage
Apply for a mortgage

Transferring a mortgage
Details about transferring a mortgage

Is your mortgage maturity date approaching or are you looking for better conditions? We offer a simple and streamlined remortgaging service.

PURPOSE OF THE LOAN:

Main residence, second home, buy-to-let or investment property

AMOUNT:

From CHF 200,000

We can offer you rates for 3 to 15 years with the possibility of reserving them 24 months in advance (forward rate). Moreover, our rate is guaranteed for 15 days with no fee.
You always keep an eye on the markets to take advantage of the most favourable rates and be ready for any potential rate hike. The Libor rate allows you to renew or change your rate every 3, 6 and 12 months.
Still unsure? You also have the possibility of dividing your mortgage up and choosing a different type and rate for each tranche.

Home improvements and tax relief: make savings on your energy bills and your taxes

Having work done on your home can pay off twice. As well as being tax-deductible, you can make energy savings by choosing environmentally friendly improvements or specific materials, which will reduce your future utility bills.

Invoices for any work that is for the purpose of maintaining the home - repainting, roofing, installing a new boiler or replacing the windows, for example - can be submitted as a deduction on your tax returns.

However, work carried out for the purpose of increasing the value of your home cannot be deducted.

Each canton sets a different maximum deduction for this and we would advise you to contact the relevant authorities or your financial adviser for more information.

Deduction of exit fees

When you switch your mortgage to Crédit Agricole next bank, the bank that originally financed the loan will no doubt charge you early repayment fees upon the termination of your contract with them.

These vary from one bank to another and can be considerable. But did you know that depending on which canton you live in, these fees may be tax deductible and potentially can also be included in the loan amount you agree with Crédit Agricole next bank?

Property owners can save several thousand francs and benefit from one of the most competitive interest rates on the market.

These penalty fees are entirely tax-deductible in some cantons, including Vaud, Fribourg and Neuchâtel. Each canton has its own tax regulations and we would advise you to contact the relevant authorities or your financial adviser to find out more.

Chat