One of their biggest dreams was to own a house with a garden one day. They want to enjoy a self-determined life as a family in their own four walls and have a home that reflects their personality. So, what did they do about it? The Fernandez family decided to act – and fulfil their wish for "more": more space, more personality, more self-determination.

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It all started six years ago with a three-month journey through Asia. During their quiet moments together, Laura and Martin would always talk about the future. "When do we want to get married?," "How many children do we want to have?," "Wouldn't it be nice if they grew up in their own home with a garden?" That was when the couple decided: we will start saving now to fulfil our dream of owning our own home. Instead of travelling, they would now put aside a set amount each month to raise the equity needed for the mortgage.

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When their first child was born in 2018, they knew it was time. The two put all their energy into finding their perfect property – it only took two weeks, much faster than expected, to find what they were looking for.

It was a rainy Sunday morning when, instead of the usual sofa, tea and TV, Laura and Martin came across a building project online in a low-tax municipality in the Zurich Unterland. The architect left the room layout and choice of materials to the owners. A rare dream property for which the Fernandez family had to apply immediately. A few days later the contract was signed. Pure happiness!

Now Laura is pregnant with their second child and they are both enjoying their self-determined life – in their own home that is perfect for them, with a garden and enough space for happiness as a family.

Now Laura is pregnant with their second child and they are both enjoying a self-determined life – in a house that is perfect for them, with a garden and enough space for happiness as a family.

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Many people dream of a self-determined life in their own home. To make this dream a reality, you should find out in good time about the necessary steps to take. We would be happy to provide you with comprehensive advice to support your planning.

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Do you dream of a self-determined life in your own home? To make this dream come true, there are some things you need to know first. Find out more about saving, financing, financial viability and mortgages.

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