SARON mortgage
A variable rate made up of the SARON reference and the lender margin. Falling rates may help, but payments and budgets can fluctuate. The contract sets adjustment and exit terms.
Home ownership and mortgages
Your own home.A place for the life you imagine.
The dream becomes real — and so do the questions: is financing possible? Which equity should you use? How can your budget stay balanced after the purchase?
Imagine receiving the keys knowing your financing, reserves and pensions fit together. We connect affordability with property value, income and a carefully considered mortgage strategy.
Home ownership and mortgages
Your affordability at a glance
Equity shortfall against the 20% guideline–
Modelled cost as a share of gross income
–Modelled annual interest–
Annual maintenance and ancillary costs–
Annual repayment of the second mortgage–
Total annual costs–
Equivalent per month–
How the purchase price is funded
These bars form a waterfall: equity and the second mortgage are deducted from the purchase price; the remainder is the first mortgage. A lender may use a property value different from the price.
–Purchase price
–Equity
–Second mortgage
–First mortgage
Model assumptions and context
This estimate uses a 5% imputed mortgage rate, 1% of the property value for maintenance and ancillary costs, and repayment of the portion above two thirds within 15 years. Roughly one fifth equity, including at least one tenth outside the second pillar, are common minimum requirements. A result below 33% is not a financing commitment; above that level, lenders assess individually. Purchase costs, taxes, property valuation and lender-specific rules are excluded.
Which mortgage fits your life?
The interest-rate model is only one part of the decision. A mortgage strategy weighs predictability, rate movements, term, repayments and your reserves.
Fixed-rate mortgage
The rate stays fixed for the agreed term. This helps budgeting, while early termination can be costly.
Special and incentive mortgages
Starter, family or ecological offers may provide discounts or be tied to a purpose. Eligibility, duration and combination with SARON or fixed rates vary by lender.
We find the right combination with you through a mortgage strategy.
Discuss a mortgage strategy ↗What we review before financing
Property value and sustainability
A market valuation informs the lending basis. We consider future renovations, energy improvements and current tax rules. Deductions for owner-occupied homes change from 2029; automatic tax savings should not be promised.
Equity, including hard equity
We separate accessible assets from pension capital and consider purchase costs and reserves after completion.
Income and stability
We document employment, self-employment and multiple income sources for the affordability assessment.
Repayment
Direct or indirect repayment through a pledged pillar 3a account has different effects. Pension fund purchases are a separate pension decision and do not automatically replace contractual amortisation.
From affordability to signing
- 01
Starting point
We establish price, equity, income and goals.
- 02
Property and strategy
We assess value, upkeep and suitable mortgage models.
- 03
Offers and documents
We clarify actual terms and requirements with the lender.
- 04
Decision
You sign after reviewing binding financing terms.
Discuss a mortgage strategy
We find the right combination with you through a mortgage strategy.
Consumer credit as a separate topic
Consumer credit as a separate topic
If relevant, we discuss consumer credit carefully in person. Andrade Finance does not itself lend money. Lending is prohibited if it would cause over-indebtedness.