Property financing

Half of all Vaud companies have chosen BCV for their property financing. This gives our advisors a unique view of the market – and it shows just how in tune we are with the needs of local companies.

A range of mortgage solutions

Whether you are looking to buy, build or renovate your company's premises or to manage a real estate portfolio, we have a broad range of mortgage solutions tailored to your needs. We also offer added advantages for those seeking to ensure that the buildings they use are energy efficient.

Fixed-rate mortgage loan

With a fixed-rate loan, you can keep careful track of your financial expenses.

Variable-rate mortgage loan

This mortgage loan is a flexible way of financing your property and means you can react quickly if you are looking to sell.

Rollover mortgage loan

This loan is an attractive solution when interest rates are stable or trending downward.

SARON mortgage loan

The interest rate on this loan tracks short-term rates, which are generally lower than long-term rates.

Green mortgage loan

This loan offers an attractive interest rate for Minergie® certified properties.

Building loan

This fixed-rate loan enables you to finance the construction of a property. You can keep careful track of your financial expenses throughout the construction phase.

Building Plus loan

This fixed-rate loan enables you to finance the construction of a property. You can keep careful track of your financial expenses throughout the construction phase and beyond.

Green renovation loan

With this loan, you get a reduction on your interest rate if you undertake energy-saving renovation work.

Our mortgage loans at a glance

 

Amount

Term of loan

Interest rate

 

Fixed-rate mortgage loan

  • Minimum: CHF 20,000
  • Maximum: 50% to 80% of the property's value

2 to 10 years

Customized

Find out more

Variable-rate mortgage loan

  • Minimum: none
  • Maximum: 50% to 80% of the property's value

Unlimited term

Customized

Find out more

Rollover mortgage loan

  • Minimum: CHF 20,000
  • Maximum: 50% to 80% of the property's value

1 to 12 months

Customized, renewable fixed rate

Find out more

SARON mortgage loan

  • Minimum: CHF 20,000
  • Maximum: 50% to 80% of the property's value

2 to 5 years

Daily SARON, minimum 0%, compounded over 3 months + customized margin

Find out more

Building loan

-

Construction phase

Customized variable rate on first and second mortgages

Find out more

Building Plus loan

-

4 to 10 years

  • Customized fixed rate
  • Principal repayment from end of construction phase

Find out more

Green loan

Minimum: CHF 20,000

At least 5 years

  • Customized fixed rate
  • No interest payments for 12 months

Find out more

Learn more

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