Transfer a mortgage
Quick, easy and with our best rate
thanks to our online platform
Try it online

Switching mortgages
Switching mortgages in detail

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

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.

Frequently-asked questions

Is it possible to arrange my mortgage transfer in advance?

We strongly recommend that you arrange your loan transfer in advance. Financial institutions generally require 6 months' notice for the termination of a loan.

If you bring along your current loan contract to your first meeting we will be able to advise you of any potential penalty charges and how you can avoid them. You can then book your new rate with immediate effect and at no extra charge.

What is the deadline for transferring my mortgage?

You can contact Crédit Agricole next bank for a mortgage transfer quotation at any time. We recommend doing this as early as possible in order to find the best mortgage offer.

In fact, you can start preparing your mortgage transfer today by opting for a forward rate. You can secure a rate straight away that will be fixed for up to 24 months in Switzerland (12 months in France), protecting you in the event of a rise in interest rates.

If your home meets our eco-efficiency and sustainability criteria, you can take advantage of our Ecoprêt conditions, i.e. a discount of -0.20% on all our fixed rates and fixing your rate up to 12 months in advance free of charge.

If you terminate your contract with your current bank before its maturity date, you may incur penalties. Our advisers are on hand to guide you through the loan transfer and help you to avoid any unpleasant surprises.

I would like to carry out remodelling or energy-saving work on my home. How can a mortgage transfer help me do this?

If you wish to make home improvements or improve the energy efficiency of your home, our CA Travaux or Ecoprêt Travaux offers are the ideal solution.

If your home meets our eco-efficiency and sustainability criteria, you can take advantage of our Ecoprêt conditions, i.e. a discount of -0.20% on all our fixed rates and fixing your rate up to 12 months in advance free of charge.

With a CA Ecoprêt loan, providing the work helps to improve the energy efficiency of your home (new windows, heating system, insulation, etc.) you can borrow up to CHF 50,000 at a rate of 0% for 3 years.

With Crédit Agricole next bank, you are entitled to a ‘green’ helping hand, even if your home does not comply with Minergie standards. Arrange a meeting with one of our advisors to find out more.

Is it possible to spread the mortgage transfer between a fixed rate and a variable rate?

You are free to include both fixed and variable rates in the conditions of your loan.

If you choose a variable rate that tracks the SARON rate, you are accepting that you may face a rise in interest rates. In other words, if interest rates go up, your monthly mortgage repayments will go up too.

Alternatively, or in tandem, you can opt for a fixed rate for a term of between 3 and 15 years. In this case there will be no surprises - you know what your monthly payments will be and can budget for them accordingly.

Our advisors will help you to work out the best combination of interest rates, depending on your personal priorities.

What documents do I need to transfer a mortgage?

The documentation required for transferring a loan is not as complicated as that needed for your original home loan.

The bank needs to be able to assess your ability to keep up with your mortgage payments over the long term. To do so, the following documents will be required:

  • your income tax statement (‘déclaration fiscale’),
  • your tax declaration (‘avis de taxation’),
  • a statement of your salary (‘attestation de salaire’),
  • records of your variable income (i.e. bonuses),
  • an extract from the Enforcement Office (‘Office des Poursuites’),
  • a copy of your current loan contract,
  • the cadastral map (showing who owns the land),
  • photos of your property,
  • the plans,
  • a copy of your fire insurance,

if the mortgage is for an apartment in a condominium:

  • the register detailing how the ownership is shared (‘cahier de répartition’),
  • the minutes from the general assembly meeting,
  • the condominium block's ownership regulations,
  • the condominium block’s management accounts.

Please do not hesitate to contact one of our advisors who will provide you with advice tailored to your personal circumstances.

How do I terminate my current agreement?

Your current loan contract will include the conditions for termination.

Please note that your current mortgage agreement may require you to give quite a lot of notice to terminate it, more than 6 months in some cases, so we advise you to initiate this process well in advance.

Our advisors are here to guide you as you take this important step.

Where can I see the outstanding balance on my mortgage?

The outstanding balance is usually the same as the amount that you are going to borrow from Crédit Agricole next bank.

You should be able to find the outstanding balance either via your current lender’s online banking service, on your annual tax certificate, or on your interest statement. In general, the interest accrued up to the date on which the mortgage is transferred, as well as any fees or penalties, are added to this balance.

Will transferring my mortgage help to increase my budget?

Putting careful thought into refinancing your loan can give a significant boost to your budget.

You could use the money you save for other investments, such as home renovation work, your children’s education or topping up your work pension.

If my mortgage is secured against my 3rd pillar, can I still transfer my mortgage?

Yes, it is no problem for us to take over a 3rd pillar as part of a mortgage transfer.

Our advisors will look at your current financial situation with you so that this can be factored into your mortgage refinancing plan.

Will a carefully planned mortgage transfer give me a more secure retirement?

Yes, when transferring or renewing your mortgage, it is strongly recommended that you take stock of your financial situation and your future plans (your pension and retirement).

The savings you make by transferring your loan to Crédit Agricole next bank can help you to achieve your retirement goals with complete peace of mind.

Should I pay my salary into Crédit Agricole next bank?

Yes, because Crédit Agricole next bank values your custom and wants to develop a trusting and long-term relationship with you.

As a Swiss bank that is able to assist its customers during all the important moments in their lives, Crédit Agricole next bank offers bank account, payment, savings and pension solutions to meet every need.

We want to offer you a global approach to your circumstances and provide a quality service.

Avant d'être rappelé par l'un de nos experts, aidez-nous à mieux comprendre votre demande

Oui Non


Ce projet n’est pas finançable en l’état par CA next bank mais peut faire l’objet d’une mise en relation auprès de nos partenaires.



Cette option vous conviendra parfaitement si vous vivez ou passez régulièrement à proximité de : Vallorbe, Boncourt, Les Verrières, Saignelégier, Porrentruy ou encore Le sentier.

Prendre RDV en ligne

?Votre n° client contient 7 chiffres

Je souhaite recevoir des informations liées aux produits et services Crédit Agricole next bank et participer aux enquêtes de satisfaction. Pour plus d'informations concernant la politique de traitement des données personnelles de la banque, cliquez sur le lien suivant.