The 5 best mortgage brokers in Zurich that made our big purchases feel safer
Buying a home is one of the most exciting milestones, and one of the biggest financial moves you’ll ever make. But the moment you start looking at rates and paperwork, that excitement can quickly turn into stress.
Good thing we have the best mortgage brokers right here in Zurich. Now, finding the right loan doesn’t have to feel intimidating.
So if you’re a first-time buyer, refinancing your current home, or simply trying to lock in a better rate, this list will be your shortcut to a stress-free home financing!
How much do mortgage brokers charge in Zurich?
In Zurich, mortgage brokers charge free to clients because they receive a commission from the lender. On the other hand, independent brokers may charge a percentage of the total mortgage amount, ranging from 0.3% to 1%.
1. Hypotheke
Address: Lintheschergasse 13, 8001 Zürich
Contact Details: +41 44 552 57 58
Operating Hours:
- Monday – Friday: 9:00 AM – 5:00 PM
If you’re curious about getting a mortgage without stepping into a bank branch (or anywhere), then Hypotheke might be exactly what you need.
Here, the entire process is mostly online. Right off the bat, you can see the possible offers you’ll be getting from various banks and insurers.
What we love about them right away is that they’re completely an independent Swiss financial technology service provider. This allows them to work in their clients’ interests rather than favour banks or big companies.
They also ensure they work only with lenders that meet their quality standards, providing you with unbiased market insights.
For those of you who want to test the waters first, we suggest trying their online mortgage calculator, where you can see your potential mortgage offers without committing to anything. It’s free, completely anonymous, and surprisingly accurate.
And in our case, this helped us get an early idea of rates and monthly payments before taking the next step, which we really appreciate.
However, we still found their process a bit complicated at times. For instance, filling out forms online required several steps, and we spent more time uploading proof of income and verifying our identity.
Impressive communication
“Excellent service, rapid and attentive. Some problems with the platform but nothing the staff couldn’t fix on their end and over the phone. Very competitive deals and I would use them again.”
Aurelio Arias, Google Review
Has a good interest rate
“I have tried several mortgage brokers for my case, the best one was Hypotheke.ch. Less time consuming, just a couple of phone calls, fast and effective action, without in advance service contract. cash-back money and most importantly good interest rate.”
Ali Dehgani, Google Review
2. HypoPlus
Address: Birmensdorferstrasse 108, 8003 Zürich
Contact Details: +41 44 500 71 61
Operating Hours:
- Monday – Friday: 8:00 AM – 6:00 PM
If you’re looking for another independent mortgage broker that won’t push its own products, HypoPlus is worth checking out.
What we love most is that they offer a free initial consultation, allowing you to view your options before committing. And if you decide to move forward, you only need to pay a one-time consulting fee of CHF 250.
Here, you can transact both new mortgage deals and renewals. We love that they compare offers from over thirty different providers.
We really appreciated how they provided a smooth bridge between the providers and us. They provided clear comparisons and advised us on the right choice for our situation.
You’ll also love that you can get a competitive offer within 2 days, which is faster than other brokers in the industry.
Moreover, even though they don’t officially conduct business on weekends, they were still very responsive. They answered our questions clearly and quickly.
We also observed that this mortgage brokerage is a great choice for foreigners in Zurich. From understanding down payment rules to differentiating cantonal banks from other pension fund options, we found that their process seems easier to follow.
The only thing we wish they offered is better post-approval assistance.
Proactive in finding new solutions for clients
“Massimo Lotta fron HypoPlus helped us on finding a good solution for the renewal of our mortgage. Good service and great advices.”
Cyril Marti, Google Review
Quick turnaround time
“I want to confirm that I received excellent service from HypoPlus, particularly from Mr. Joel Ramanalil. He took time to understand my situation and proposed the best suited mortgage solution in a timely and warmly manner. The condition of the mortgage eventually I accepted was much better than the competitor. It was my first time using the service of a mortgage broker. So far I can only say that it seems to me really a better choice than seeking mortgage offers by myself. I think I will continue to use this kind of service in the future.”
Helic Yokyo, Google Review
3. My Hypotheca
Address: Förrlibuckstrasse 190, 8005 Zürich
Contact Details: +41 44 244 86 89
Operating Hours:
- Monday – Friday: 8:00 AM – 6:00 PM
If you’re someone who wants access to a wide range of mortgage options, you’ll love that My Hypotheca works with fifty financing partners.
This gives you several options, which is why we’re not surprised to see that many of their loyal clients report saving over CHF 5,000 annually compared to what their own banks initially offered.
We love how the team took the time to walk us through each phase of the process. They carefully compared options across multiple banks and explained the financial implications too.
It’s worth noting, however, that the initial consultation might feel slightly longer than expected due to their thorough approach.
Nonetheless, what we love about them is their proactive follow-up support. We didn’t even have to reach out repeatedly, as the team ensured to keep track of deadlines. They even sent us reminders for documents and signatures, which we really appreciated.
They’re also a great choice for foreigners in Zurich. From what we saw, they’re experienced at explaining local regulations, mortgage eligibility criteria, and financing options to non-residents.
Shares the best available options
“Excellent, fast, competent and valuable advice from My Hypotheca, that helped understand the whole process with mortgages, as well as transparently sharing the best available options. For Alexander Lewtschenko as a mortgage advisor – outstanding recommendation for the expertise and professionalism! Thank you”
M. S., Google Review
Proactive in providing follow-ups
“We recently had a very positive experience working with James from My hypotheca. James provided us with all the necessary inputs and suggestions throughout the purchase process. His proactive follow-up and support ensured that we completed the entire process seamlessly. Thank you!”
Karthikeyan Rathinavelu, Google Review
4. Hypohaus
Address: Eingang seitlich neben Glen Fahrn, Webergasse 5, 9000 St. Gallen
Contact Details: +41 71 228 20 80
Operating Hours:
- Monday – Wednesday, Friday: 9:00 AM – 12:00 PM, 1:00 PM – 5:30 PM
- Thursday: 9:00 AM – 12:00 PM, 1:00 PM – 5:00 PM
For those of you looking for longer-term mortgage options, you’ll love that Hypohaus offers a fifteen-year mortgage. That is in addition to the usual five- to ten-year terms that most mortgage brokers provide.
We love how this flexibility can be appealing if you want more predictable payments over a longer period.
However, we found their interest rates slightly higher than those of other brokers. This means the potential savings are smaller, almost half of what you might get elsewhere.
Nonetheless, their interest rate comparison service is free, so it’s worth checking their numbers to see if it fits your financial plan.
What we really liked about Hypohaus is how they helped us secure the right mortgage at a time when banks were reluctant to lend. This makes them an ideal choice for first-time buyers, as you can expect them to really guide you through every step.
Claudio, our advisor, even secured multiple competing offers from different banks and clearly explained the pros and cons of each.
You can also expect them to negotiate favourable terms on your behalf while coordinating the whole process with the bank.
Knowledgeable about the market
“We had a very pleasant experience with Hypohaus and a very positive outcome. We were very lucky to have Dominic Eicher to advise us and help us choose the right mortgage in a period where banks were reluctant to give loans. Dominic managed to negotiate a good offer from two banks and advised us to pick the right one. We are very happy with the treatment we received from Dominic; he has been always attentive, friendly and pleasant to work with. We highly recommend Hypohaus, not only because their service is completely free, but also because they are knowledgeable about the market, competent and very friendly.”
Yousef Elbes, Google Review
Provides detailed responses
“I cannot praise enough the experience I had with Mr. Claudio Naf from Hypohaus AG. Claudio was a patient, competitive and supportive along my house buying journey. Being first time buyer, there were so many unknown for the whole process. However, whenever I need help, Claudio was always there to help. His quick timely and detailed responses were truly appreciated. More importantly, Claudio was able to help us secure a very good mortgage rate. Highly recommend!”
Jianhao Lyu, Google Review
5. Money Park
Address: Brandschenkestrasse 30, 8001 Zürich
Contact Details: +41 58 280 85 85
Operating Hours:
- Monday – Friday: 8:00 AM – 12:00 PM, 1:30 PM – 5:00 PM
What we love about Money Park is that they really make the Swiss mortgage maze more manageable.
In fact, they combine their digital tools with personal advice, allowing you to access offers online while still talking to a real person who guides you through them.
You’ll also love that they are connected to over 100 lenders, including banks, insurance companies, and pension funds. They can also step in to negotiate on your behalf and secure better offers if the banks you’re dealing with are initially hesitant.
We also love that they offer free consultations so you can check if they’re a great match for you without paying anything.
But if you wish to dive deeper, you can avail yourself of their competitive one-time fee. It’s CHF 980 for new mortgages or CHF 490 for refinancing.
And here’s our favourite part: their contract even ensured that we didn’t have to accept a Money Park offer if a better and still reasonable deal came along.
However, we noticed that Money Park isn’t too proactive in speeding up bank approvals, so expect timelines to stretch a bit.
High level of preparedness and reliability
“I highly recommend Mr Caprez for my mortgage renewal. His patience, expert advice, and professionalism when dealing with mortgage providers exceeded my every expectation. As a powerful advocate, Mr Caprez secured highly favorable terms. A cherry on the cake – when Mr Caprez was OOO, instead of me waiting for a week for a response, he ensured seamless coverage. This level of reliability and preparedness is outstanding. Trustworthy, knowledgeable, and highly effective. Look no further!”
Marica Stojanov, Google Review
Finds the best interest rates
“We had an efficient and nice service from Max Joseph. The interest rates he found were much better than what I found myself (1.12% instead of 1.29%) with financing of the renovation costs. He has also estimated the value of several properties in Zürich thanks to his professional program before we have decided to buy this one. So do not hesitate, it is worth it.”
Oksana Skotar, Google Review