Allianz Suisse

Allianz Suisse is a Swiss insurer that finances home ownership for private customers through three models. Customers can choose a fixed-rate mortgage, where the interest stays the same for the whole term, a variable mortgage, or a SARON money-market mortgage whose rate tracks the market continuously. The first mortgage covers up to 65 percent of the property value, and the second covers the remainder, which has to be paid down within 15 years or by retirement.

Advice comes from the insurer's own specialists, and an appointment can be requested through the form on the website, backed up by an agency search for contact in person. The website offers several calculators besides the mortgage calculator, including a pension check and a pillar 3a calculator. That points to how closely the offer ties into pension planning: Allianz links financing with life insurance and pillar 3a, for instance for indirect amortization. The content is available in several languages, including German, French, Italian and English.