Managing my property
If you’re considering purchasing a property, we can provide guidance, whether it’s a first or second home or an investment property. We’ll be with you at every stage of the financing process – from assessing the projected costs to arranging a mortgage that meets your specific requirements.
Analysing the tax aspects of buying and selling
Our personalised solutions are designed to optimally structure your property acquisition, whether held directly or indirectly (via a company). Furthermore, we’ll assess the tax implications of the selected solution in line with your personal circumstances.
From an inheritance standpoint, we can assist in dividing up properties and advise on whether it makes sense to set up a life estate or a right of habitation. We’ll ensure you’ll know how to integrate your property assets into a broad long-term strategy.
Financing purchases
We can help you at every stage of the financing process, whether you’re applying for or renegotiating a mortgage – for a range of property types such as first and second homes, mixed-use properties and investment properties. We’ll assess the costs involved and optimise financing, injecting some of your pension capital where appropriate.
The final financing package will be tightly aligned to your personal and financial circumstances. Fixed rates range from 3 to 10 years. A variable rate with contractually defined limits is also available. Amortisation can be either direct or indirect. Our specialists will work hand in hand with you to ensure that your financing blueprint lines up with your objectives.
We can also optimise financing by offering fixed-term advances secured on assets held with us and other solutions. Our ethos is built on flexibility, allowing you to maximise your purchasing power in property transactions while safeguarding returns on investment.
Property estimations
An accurate estimation is essential for managing and increasing the value of your property. We use a hedonic pricing method combined with industry insights for whenever you wish to acquire, finance or sell a house, condominium and an investment property.
Furthermore, we can assist you in analysing the financial potential on your property assets, including recommendations for and support in carrying out renovations or development projects that will maximise the market or rental value of your property. Finally, we can also oversee your property portfolio, including auditing heating and other ancillary shared costs (including the fees invoiced by the property manager).
Wealth planning
The aim of wealth planning at Banque Bonhôte is to advise you on how to grow, protect, and pass on your wealth in an optimal manner.
While each solution we provide is UNIQUE, we all face stages in our lives when wealth planning proves useful.
We listen to your expectations in order to build a tailored solution that precisely meets your needs.
Property services
Buying, selling, financing and managing property assets requires expertise and outside help. Our property specialists can help you attain all your objectives.
Swiss mortgages
Are you considering buying a property for your own use or as an investment for renting out? Or do you wish to refinance an existing mortgage? We’ll be with you throughout the whole process.
