Baloise

Baloise belongs to the Helvetia Baloise Group and acts as both insurer and bank, offering financing and insurance from a single source. For home ownership the range spans the fixed-rate mortgage, the variable mortgage, the SARON mortgage and the five-year Time-Fix mortgage, all the way to the fully online mortgage. Related offers include construction loans and building insurance.

Advice is given in person, though individual products can also be taken out online. Through the online mortgage tool, prospective buyers can check affordability and loan-to-value themselves, and the insurer quotes a processing time of around 15 minutes to complete the deal. A mortgage calculator helps estimate affordability, the equity needed and monthly costs, and the rate on a fixed-rate mortgage can be locked in up to 18 months ahead. The content is available in German, French, Italian and English.