MoneyPark stands for independent mortgage brokerage and real estate advice. As a client, you will benefit from a transparent comparison of mortgages from 100 lenders. In addition to these services, Helvetia offers its in-house expertise in insurance and pension matters.

Real estate and pensions are closely intertwined as residential property is considered a component of retirement provision in Switzerland. The amount of the mortgage determines the level of accommodation costs and is usually reduced with age in mind, to ensure accommodation costs are low after retirement. Via the second pillar (pension fund) and pillar 3a, a person’s own funds can be provided to buy the property or the mortgage can be amortised in a tax-optimised manner. Withdrawing money from pension funds can leave a gap in retirement savings and accordingly, pension planning involves checking whether the gap can be closed again before retirement. It is also important to bear in mind that a mortgage requires a stable income. Life or whole life insurance and a disability pension can secure financing through hard times. This holistic perspective makes it possible to achieve the perfect combination of real estate financing and retirement provision.

Whether it works out better to buy or rent depends on various factors. Buying means you benefit from long-term ownership, considerable scope to customise the property and potential increases in value. However, buying also means a high initial investment and a large amount of responsibility for maintaining the property.

MoneyPark offers a wide range of properties. Via the free MoneyPark Cockpit, you will receive comprehensive information and a valuation on all properties for sale. You will also get exclusive early access to our properties for sale, keeping you one step ahead of the market.

Renting offers greater flexibility in terms of moving home and a lower initial financial burden. However, depending on interest rates, it is more expensive in the long term. Your financial situation, future plans and local real estate market are crucial for making the right choice.

Helvetia owns over 380 properties and lets accommodation throughout Switzerland.

Under certain circumstances, you can reduce your tax burden by buying a house in Switzerland. Mortgage interest rates and maintenance costs for a property are usually tax deductible, which may reduce your annual tax burden. You can also amortise your mortgage via pillar 3a (tied retirement provision) and thereby deduct the contributions paid from your income. However, these deductions must be weighed against the imputed rental value. This cantonal tax on residential property may sometimes be more than offset by the aforementioned deductions. Before buying a property, it is advisable to familiarise yourself with the tax implications or seek expert advice.