HYPOTHEKE.ch

HYPOTHEKE.ch says it compares more than 30 providers, including banks, insurers, pension funds and investment foundations, and calls itself Switzerland's largest online mortgage platform. Users enter their situation, such as location and desired term, and the platform calculates ready-to-sign offers from that. According to the provider, financing partners' rates are updated hourly, covering fixed-rate mortgages, SARON mortgages and variable mortgages. Testing is anonymous and free, and the offer is non-binding.

On its business model, the platform explains that lenders pay a brokerage commission, which HYPOTHEKE.ch offsets against its own fee, with any surplus passed on to customers as cashback. By its own account the broker is independent, not owned by any bank or insurer, and earns the same amount regardless of which lender is chosen. There is also a subscribable rate update and personal advice from mortgage specialists.

The whole process can be completed online, and the offers are ready to sign. The platform is run by an owner-managed company based in Zurich, with data processing carried out in Switzerland. It is available in German and English.