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

  • Individual credit advice to select the product that best suits our clients’ needs
  • Review of existing financing structures even with third-party banks, and design of measures to optimise our clients’ circumstances
  • A precise calculation of interest, amortisation and costs including, for example indirect amortisation via Pillar 3a
  • Expertise in conducting plausibility checks on purchase and sales agreements
  • Assistance with tax issues and legal questions in collaboration with inhouse experts of Bank Julius Baer & Co. Ltd.

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
  • The term and the interest rate are set at the beginning and do not change.
  • A fixed rate mortgage is suitable for planning and defining the costs of a mortgage on a long-term basis. It also provides protection against rising interest rates.

Forward fixed rate mortgage
  • In principle, a forward fixed rate mortgage is a fixed rate mortgage with a set term that beginsin the future.
  • A forward fixed rate mortgage is suitable if interest rates are expected to increase.

Money market mortgage
  • Short-term maturities of 1 or 3 months with automatic rollover, where the interest rate is known at the beginning of the interest period.
  • This mortgage product offers maximum flexibility, especially as the product can be changed or repaid free of charge at the end of a 1 or 3 month period.

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.
  • SARON mortgages are based on compounded SARON in arrears, which means that the interest rate is only known very near the end of an interest period
  • The term of each tranche is 3 months. With the SARON mortgage, you benefit from constant or falling interest rates, giving you maximum flexibility.

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