With ecological building methods or the sustainable renovation of your property, you can benefit from our green mortgages and save on interest costs.

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    30% of global CO2 emissions are caused by the real estate sector

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    40% of Swiss energy is consumed by the national building stock

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    2% of Swiss real estate would need energy refurbishment each year to fulfil the Energy Strategy 2050

The green mortgage in brief

Are you particularly concerned about protecting the environment and would you like to incorporate ecological considerations into the purchase or renovation of your home?

If so, a green mortgage with favourable interest rates is precisely the right choice for you. You can take out a green mortgage if your home meets Swiss Life’s criteria for environmental sustainability. To do so, you will need a Minergie certificate or a corresponding cantonal building energy certificate (GEAK). Buildings without an energy certificate or with insufficient GEAK certification qualify for the green mortgage if energy-related measures are planned. We can provide you with comprehensive information on home ownership and mortgages and, thanks to our attractive mortgage solutions, you can find the right financing for your property.

Your benefits at a glance

  • The energy saved helps to protect the climate and the environment
  • Advantageous interest rates with the green fixed-rate mortgage and green SARON mortgage
  • (Cost) saving of operating costs through reduced energy consumption     
  • Increase in the long-term marketability of your property     
  • You benefit from cantonal subsidies for sustainable renovations    
  • Tax benefits on renovation

Current mortgage interest rates

Attractive financing conditions for your apartment or home with a Swiss Life mortgage.

Personal offer

We will need your mortgage application to make you a personal offer. Please fill in and send us the following form.

Call the mortgage team

Give us a call! Our mortgage team would be pleased to assist you further.

Make an appointment for a consultation

Are you interested in a Swiss Life mortgage, or do you have questions? We would be pleased to provide you with more information – in a personal and non-binding consultation. We would also be happy to advise you by video instead of in the General Agency or at your home.

FAQs about green mortgages

MINERGIE® certificate: 

  • Regular fees vary according to energy reference area and building standard (between CHF 1200 and CHF 3700 for properties ≤ 250 m2)
  • Once issued, the certificate is valid indefinitely

GEAK® certificate:

  • The costs for a GEAK® or GEAK® Plus certificate vary depending on the building, region and specialist (CHF 600 – CHF 2200 for a single-family home)
  • The validity period for the GEAK® certificate is ten years, for the provisional GEAK® certificate it is three years
  • Year of construction < 12 months = A, B
  • Year of construction > 12 months = A, B, C
  • If level D, E = modernise within 24 months with GEAK Plus certificate

Obtain a GEAK® Plus certificate. Make sure you clarify whether the canton is able to support the construction project with subsidies and apply for such subsidies accordingly. The GEAK® Plus certificate and the renovation offers must be submitted together with the mortgage increase application. The planned measures, which are listed in the GEAK® Plus certificate, must then be implemented within 24 months following the mortgage payout. Following completion of the measures, the GEAK® certificate must be updated to determine the final value (A-G) and make the “impact” measurable.

The time span from the request for an offer to the issue of the GEAK certificate may vary. We recommend applying for the certificate in good time (approx. 1-2 months prior to interest rate fixing).

Modernising your home energy efficiency in order to benefit from green mortgages is worthwhile for a number of reasons: increase the value of your property, enhance living comfort, save heating costs, protect the environment, claim subsidies and benefit from the attractive interest rates on Swiss Life’s green mortgage.

The green mortgage products cannot be combined with the preferential conditions of the Home Option
or Option Complete of a Swiss Life insurance contract.

If you pay off your fixed-rate mortgage before expiry of the agreed term, Swiss Life, as the creditor, will calculate the amount of the early repayment penalty individually.

Exception: if you sell your property before expiry of the agreed mortgage term, Swiss Life will not charge an early repayment penalty, provided the property is not sold to a member of your family.