Real estat financing

Bank Julius Baer is a strong and reliable mortgage and financing partner at your side. Its service is characterised by precision, unparalleled flexibility, and a long-standing experience in the mortgage and financing business.

This is what you can expect

Personalised financing advice

We analyse your overall financial situation - including existing mortgages, leverage levels, maturities, costs and income streams - to identify the structure that best supports your long‑term goals.

Review of existing financing structures

We assess your current arrangements, including mortgages held with third‑party lenders, and propose optimisation measures regarding interest costs, amortisation strategies, liquidity planning and risk management.

Holistic support through in‑house expertise

Working closely with our internal experts, we combine real estate advisory, valuations, brokerage, tax and legal know‑how to support you throughout the entire financing process - from property assessment to contractual matters.

Our mortgage solutions – flexible, secure and tailored to you

Based on your objectives, financial profile and risk tolerance, our mortgage specialists recommend the most suitable product - offering clarity, flexibility or interest‑rate protection, depending on your needs.

Mortgage products and financing strategies

Bank Julius Baer's various mortgage models are designed for different needs and situations. Based on an analysis and your desire for security, the mortgage experts will recommend the most suitable products for you: from fixed rate mortgages to floating rate mortgages.

Fixed rate mortgage	Amount, term and interest rate are fixed from the outset. Ideal for clients who value stability, cost certainty and protection against rising interest rates.
Forward fixed rate mortgage	A forward fixed rate mortgage that starts in the future, allowing you to secure today’s rates ahead of time. Suitable when you expect interest rates to rise and wish to plan early.
Money market mortgage (1-3 months)	Short maturities with automatic rollover; the interest rate resets at the start of each term. Offers maximum flexibility: at each rollover, you may switch products, adjust the amount or repay without additional costs. Suitable for clients comfortable with short‑term interest fluctuations.
SARON mortgage SARON (Swiss Average Rate Overnight) represents the overnight interest rate of the secured CHF money market. It is based on transactions and quotes in the Swiss repo market; SIX acts as the benchmark administrator and publisher of SARON.	Based on compounded SARON over a 3‑month period; the effective interest rate is known toward the end of each term. Attractive in stable or declining interest‑rate environments, with full flexibility at each rollover to adjust product typeor amount.

*Service provided exclusively by Bank Julius Baer & Co. Ltd., Zurich, which is authorised and regulated by the Swiss Financial Market Supervisory Authority FINMA.