Real estate financing experts for your purchase

The Censeo teams are here to help you save time and find the best mortgage rates for your purchase.

Working with Censeo is your guarantee of attractive interest rates
and free, independent advice from our teams.
Explore our mortgage acquisition and renewal offers today, so that you can make your plans a reality
with complete peace of mind.

Current mortgage rates

An overview of mortgage rates in Switzerland?

SARON +
Margin

from
2.15%

5-year fixed mortgage

from
1.66%

10-year fixed mortgage

from
1.77%

15-year fixed mortgage

from
2.15%

These interest rates are only indicative and will be updated regularly (current status as of 06.05.2024). They do not constitute a binding offer of financing.

Our customers talk about us

Our advantages

  • Experience in the real estate market and mortgage financing since 2010
  • An exemplary reactivity: so that your experiences with us are fully satisfactory
  • A single point of contact: for all your property financing needs
  • Quality advice: our advisors are all specialized and qualified in the fields of pensions and finance
  • Partnerships with numerous banks and insurance companies: guarantee of the best financial package and one of the lowest rates on the market
  • Independence: Censeo is an unrelated entity. We work with all our partners and select the one that will offer you the best rates and conditions for your mortgage.
  • A free service: Free advice and support

Censeo answers your questions

Is my certificate enough to reserve a property or sign a deed of sale?

No, the certificate is an informative document and you must not commit an amount, even a limited amount, on the purchase of a property. Only a firm offer or promise of commitment from a financing institution is authentic.

Do I have to pay an application fee to Censeo?

No. Censeo does not charge its customers any application fees. The financing institution you choose may charge you a processing fee, but only when you sign the loan contract. This one-time fee is generally 1/ 00 of the amount of the financing.

How does Censeo pay itself?

Censeo is commissioned directly by the financing institution you have chosen, without any additional cost. The commissions are on average 0.50% of the mortgage amount. Depreciation may also be subject to a commission.

After I get my certification, what's the next step?

As soon as your offer on a property is accepted, we will establish a call for tender to find you, in the first instance, a financing agreement from one of our partners. You will be able to commit yourself serenely with the notary of your choice in the signature of a deed of sale.

How many partners will Censeo solicit for me?

Censeo has about twenty partners in the field of real estate financing. The institutions will be chosen according to your financial situation but also according to your priorities. On average, we select between 3 and 6 different establishments for each tender.

Will my personal data be shared with a third party?

Censeo does not share any of your personal data with third parties, with the exception of the financial institutions selected for your tender.

Process - how does it work?

Step
1
You are looking for a property
Step
2
We assess your ability to
Step
3
You make an offer on a property
Step
4
We find the best offer
Step
5
You commit yourself to the notary
Step
6
We organize the transaction

Censeo in numbers!

8

financing and pension specialists

2

offices
in Lausanne
and Geneva

40+

partnerships with
financial institutions

30′

(average time) to issue a certificate of funding