Key Details:
- Client Type: UK nationals relocating to Switzerland
- Purchase Price: In excess of CHF 2 million
- Loan Type: Swiss residential mortgage
Two UK nationals planning their retirement in Switzerland approached Enness to arrange financing for the purchase of their new primary residence, with a purchase price above CHF 2 million.
As part of their relocation strategy, they intended to transfer a substantial portion of their liquid assets to Switzerland and establish a long-term private banking relationship. They required a high loan-to-value mortgage at a competitive rate, alongside a banking partner capable of supporting their broader retirement, investment, and succession planning objectives.
- Cross-border relocation from the UK to Switzerland
- Requirement for high LTV financing
- Desire for highly competitive interest pricing
- Need for integrated private banking and wealth planning support
Swiss mortgage lending for foreign nationals can be nuanced. Lenders assess residency plans, long-term affordability, asset composition, and overall banking relationships carefully. Achieving favourable leverage and pricing requires strong structuring and alignment with the right institution.
Leveraging established relationships with Swiss private banks, Enness introduced the clients to a banking partner aligned with both their mortgage and wealth planning objectives.
We secured a high LTV Swiss mortgage at an interest rate of approximately 1% per annum, subject to market conditions and lender criteria. In parallel, the clients placed assets under management with the bank, structured with an investment strategy designed to align with their long-term retirement objectives.
Enness also introduced trusted Swiss relocation and tax specialists to support legal and fiscal structuring as part of the move.
The clients successfully completed the acquisition of their Swiss residence with an integrated financing and banking structure in place. The solution combined competitive leverage, efficient pricing, and broader wealth planning coordination tailored to their retirement goals.
This case highlights how cross-border mortgage structuring and private banking alignment can deliver efficient outcomes for clients relocating internationally.
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Property values can fall as well as rise, and you may not get back the amount originally invested. Property investments can be illiquid and may take time to sell. Where borrowing is used, your property may be repossessed if you do not keep up repayments on a mortgage or other loan secured against it.
