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Frequently Asked Questions

  • Is there a minimum purchase price?

    Enness brokers mortgages for property purchases of CHF 2 million and above. We can broker very significant property finance amounting to tens of millions of francs.

  • Can a Swiss national get a mortgage in the UK?

    Yes, although getting a mortgage in the UK can be more challenging than if you were a resident. Mainstream lenders can offer lower LTV from non-resident buyers, and some lenders do not offer mortgages to non-residents at all. In other cases, there will be more paperwork and a more intensive underwriting process required to ensure you meet the lender’s criteria and affordability parameters. Working with a mortgage broker like Enness will help maximise what you can borrow and make the mortgage application process as easy and quick as possible.

  • How does the process of getting a mortgage in Switzerland work?

    Working with a mortgage broker is a relatively standard practice in Switzerland. You can approach your bank directly, but they may not offer the best rates and not every Swiss bank offers mortgages. Enness will help you broker the best rates available on the market from lenders that you may not be able to contact yourself.

    Enness will assess your assets, income and requirements to understand which institutions will most likely offer you the best mortgage. Your broker will then approach lenders to get offers so you can compare property finance packages – they will negotiate these for you if it is possible to secure more competitive rates and terms.

  • What are the regulations to get a mortgage in Switzerland?

    As well as normal AML and compliance regulations relating to the source of funds and your background, Switzerland’s mortgage regulations principally look at risk, affordability and loan-to-value ratios. As always, affordability is absolutely critical, and getting a mortgage will be dependent on your being able to demonstrate that you can meet monthly repayments.


London HQ


64 North Row
London W1K 7DA


Islay Robinson

Islay Robinson

[email protected]

Monaco Office


Le Cimabue
16 Quai Jean-Charles Rey
98000 Monaco


Dubai Office


Office 13
Boulevard Plaza Tower 1
Burj Khalifa Street
Dubai, UAE


Jersey Office


Office 17, First Floor
International Finance
Centre 5, The Esplanade
St Helier JE2 3BY


Zurich Office


C/o Interis AG
8001 Zürich


Geneva Office


Route de Pré-Bois 29
World Trade Center
1215 Meyrin

Our approach to all new requests and clients is as follows:

  • Step 1: First Contact


    All first contacts are managed by a relationship manager who understands the market we operate in, can quickly see if we can help or not, and will match the client to the best possible broker based on their needs. 

  • Step 2: Arranging a Meeting


    The client will then speak to the broker at a time that suits them and over the most appropriate medium – we get this part arranged as fast as possible and can often happen instantly.

  • Step 3: Meeting your Broker


    The broker will work quickly to understand the client’s position, background, circumstances and plans. At this stage, we will only talk and we won’t ask for paperwork or forms to be filled unless it is absolutely necessary.

  • Step 4: Discussing your Options


    The broker will then explain what we think is possible (from the widest view of the market), what it will cost, what the process will be and what the risks or problems to be overcome are.

  • Step 5: Agreeing on your Mortgage


    At this point, if the client is happy, we will set to work on agreeing on the mortgage terms in principle, assembling paperwork and documents to support the case, discussing the lending request with the correct people at the banks we think are best placed and doing as much as possible to ensure the first approach will work.

  • Step 6: Submitting your Application


    Then, at this point, if the client wishes to proceed with a formal application, our fees are agreed and we set to work on the formal application. 

  • Step 7: Closing the Deal


    Through the entire process, we will be hands-on and pushing every detail to ensure the transaction is completed as cleanly and quickly as possible, managing all other parties in the process.