Real estate financing and mortgage brokerage
UAG & Associés is a neutral and independent intermediary specializing in real estate financing and mortgage brokerage in French-speaking Switzerland.
Your real estate financing
Mortgage Financing
Competition between our network of banks and insurance companies in order to identify a strategy adapted to your situation.
- Own-use accommodation
- Yield building
- Mortgage transfer or renewal
Amortization & protection
Assessment of direct or indirect amortization, taxation and coverage in the event of disability or death.
Financed properties & projects
Owner-occupied home, investment property, commercial property or construction loan for professionals.
A suitable mortgage strategy
We study your financial capacity, your project and the guarantees available before consulting the market.
The stages of your application
Clear support, from the initial analysis to the implementation of financing.
Affordability analysis
Analysis of your income, equity, expenses and objectives in order to determine a realistic financing capacity.
Market consultation
Consultation of several establishments and comparison of rates, conditions, amortization and guarantees.
Finalizing the application
Coordination with the selected establishment and the professionals concerned until the file is finalized.
Decisions that shape property financing
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01
Validate affordability
A realistic affordability assessment considers sustainable income, theoretical costs, available equity and the ancillary costs of the purchase. We test these elements before approaching the market so that financial institutions receive a coherent project.
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02
Choose the rate structure
The choice between fixed rates, variable rates or a combination of tranches depends on your budget, tolerance for fluctuations and planned holding period. We also compare renewal and exit terms, not only the advertised rate.
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03
Decide on amortisation
Direct or indirect amortisation affects debt, taxation, pensions and future liquidity. The strategy must remain compatible with your other plans and include a safety margin for work, changing expenses or a temporary fall in income.
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04
Prepare a strong file
A complete file brings together financial evidence, information about the property, the source of equity and any guarantees. Preparing these documents reduces follow-up requests and makes it possible to compare responses within the transaction deadline.
Do you have a real estate project?
Send us the initial information needed to assess your project and prepare consultations with financial institutions.
REQUEST A STUDYMortgage Rates
Lowest rates displayed by UAG, provided for information purposes only and subject to confirmation, modification of the market and acceptance of the file.
A personalized offer depends in particular on your financial situation, the property, the equity and the guarantees available.