Optimise your mortgages: why rely on our expertise in the current market

At Assidu, we understand the importance of making the right financial choices, especially when it comes to a mortgage. It is a long-term commitment, and it is crucial to take advantage of the best possible financing conditions. In this article, we offer an analysis of the current mortgage market and the reasons why our expertise can help you navigate this dynamic environment with confidence.

A changing mortgage market: what you need to know

The mortgage rate market has seen several upheavals in recent months. In March, yields on Swiss government bonds, as well as mortgage rates, rose significantly. This increase was largely driven by a major announcement from the German government concerning a massive fiscal package and a relaxation of debt rules. This change led to a rise in bond yields in Germany, which had a knock-on effect on rates in Switzerland.

The position of the Swiss National Bank (SNB)

One of the most influential factors on the Swiss interest rate market remains the monetary policy of the Swiss National Bank (SNB). In response to contained inflation and economic risks in the eurozone, the SNB recently adjusted its policy rates. The policy rate now stands at 0.25%, and it seems likely that we are witnessing the last interest rate cut in this cycle.
It is important to note that, although government bond yields and mortgage rates rose in March, fixed rates are expected to stabilise at more moderate levels.

Why rely on our expertise for your mortgages?

In a context of volatile interest rates and uncertain monetary policy decisions, it is essential to have a reliable partner to guide you in choosing the best mortgage. Here is why turning to our company is a wise choice:

1. In-depth knowledge of the market: Thanks to our expertise, we are able to provide you with a precise and up-to-date analysis of the mortgage market, enabling you to make informed decisions suited to your situation.
2. Personalised advice: Every property project is unique. Our mortgage brokers analyse your financial profile and offer you tailor-made financing solutions that allow you to maximise your advantages while minimising risks.
3. Access to a wide range of mortgage products: We have access to a wide choice of lenders and mortgage products, ensuring that you can choose the best offer on the market, whether for a fixed-rate or Saron-indexed loan, short-term or long-term financing.
4. Support at every stage: From finding the best offer to the final signature, we support you throughout the process. You benefit from our assistance with all administrative formalities, and we make sure the process is as smooth and transparent as possible.

Conclusion

Whether you are a first-time buyer or an experienced investor, the current mortgage market offers opportunities, but also challenges. Turning to our company means choosing to surround yourself with experts who will help you navigate this complex market and take advantage of the best financing conditions.
We are here to guide you at every stage and offer you solutions suited to your needs and financial objectives.
Contact us today for a free consultation and find out how we can help you optimise your mortgages in this constantly changing market.

Article written by:

Loïc Tschirren
Head of Mortgage Financing