Basel, 02.06.2025

Buying a Home in 2025: Why Getting a Mortgage Has Become Much Harder

A few years ago, a good income or some savings were often enough.
Today, you need both – perfectly aligned.

The rules have changed. And it shows in real-life mortgage approvals across Switzerland.

What has changed?

FINMA, Switzerland’s financial market regulator, has recently tightened its oversight.
Too many banks were granting mortgages with loose internal guidelines. That’s over now.

If you’re looking to buy a house or apartment in 2025, you’ll face:

• Stricter lending criteria

• Less flexibility from banks (exceptions are rare)

• Increased focus on affordability and long-term planning

• Regulatory pressure from Basel III reforms

Swiss mortgage lenders are being forced to hold more capital – meaning mortgage business has become more expensive. This leads to higher mortgage rates in Switzerland and more selective approvals.

What this means for you

It’s no longer enough to “just walk into your bank”.
You need to be better prepared than ever.

Here’s what matters:

• A realistic financial plan

• 20% down payment – ideally split between cash and pension assets

• A clear understanding of the affordability rules

• A broad mortgage comparison across at least 30 Swiss lenders

Many applicants are turned down even with strong income – because they haven’t saved enough. Others are rejected despite high savings – because their income doesn’t meet affordability thresholds.

Our recommendation

At IMMANO Basel, we help clients across Switzerland secure the right mortgage every week.
We know exactly which banks are lending, what they’re looking for – and when they say no.

So what should you do?

Use our free Swiss mortgage calculator to check whether your property is affordable.

Request a personalized mortgage comparison – from over 30 banks, pension funds, and insurers.

Get in touch with our expert advisors at IMMANO in Basel. We’ll help you secure a mortgage that fits your life – not just your numbers.

Bottom line

Getting a mortgage in Switzerland in 2025 isn’t easy.
But with the right plan, tools and guidance – it’s possible.

Want to know if your dream home is within reach?

Get in touch with IMMANO Basel or start with our free mortgage calculator today.