Vaudoise

Vaudoise is a Swiss insurer and, by its own account, one of the country's largest property investors. It grants mortgage loans for a house or apartment, both at a fixed rate over terms of up to 15 years and as a variable mortgage. The offers are aimed at buying existing properties, paying off a construction loan and refinancing existing mortgages. There are no setup fees, and the interest rate can be locked in up to 18 months before the first payment is due.

Financing, amortization and building insurance are all handled through a single point of contact. Borrowers can repay directly, so the debt keeps shrinking, or indirectly through a life insurance policy with a tax advantage. A contact form gets an offer started, backed up by personal advice. The insurer operates through a network of general and local agencies with a focus on French-speaking Switzerland, and the content is available in German, French and Italian.