Your Mortgage –

Our Priority

As mortgage brokers, we specialize in assisting expats in Switzerland to effortlessly achieve homeownership. With tailored mortgage solutions, personalized service, and access to exclusive rates, we simplify the home buying process for you.

Why choose us?

No Consultation Fees

IMMANO is paid directly by the financing partners. You benefit from free and non-binding mortgage advice. This ensures that our recommendations are unbiased and tailored to your needs. Experience transparent and efficient mortgage solutions with IMMANO.

We compare – You save

Why hassle with mortgage comparisons when IMMANO can take care of it? Our interest rate comparison saves you an average of CHF 2,500 each year – valuable time and money you can use more effectively.

Independent Mortgage Broker

We provide independent mortgage advice and provide advice that is free from conflicts of interest. Benefit from advantageous mortgage interest rates and high-quality advice from our experts.

Our Partners

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Frequently Asked Questions

IMMANO’s mortgage advice is free of charge for our customers. IMMANO is compensated directly by the financing partners if the mortgage brokerage is successful.

The sales commission for the sale of a property is only 2%. The sales commission is only due upon successful sale.

Expats holding long-term residence permits (B- or C-permit), working, retired, or business owners in Switzerland.

An immediate 20% down payment, covering taxes, fees, utilities, and ensuring mortgage payments don’t exceed 33% of your annual net income.

No, B-permit holders are limited to one mortgage, while C-permit holders and Swiss citizens may apply for multiple mortgages.

IMMANO was founded by Gazmend Ismaili and Tobias Fringeli. Mr. Ismaili has a bachelor’s degree in business administration with a specialization in banking & finance (FHNW) and further training as an insurance broker (VBV). Mr. Fringeli has a diploma as a dipl. Bank economist HF from the AKAD Banking & Finance School Zurich.

Identification (passport), residence permit (if applicable), social security number, financial sustainability evidence (bank statements, tax returns), and property details.

Yes, many banks offer mortgages for seniors, potentially requiring pension as income proof and may have shorter repayment periods.

Ensure you meet the eligibility criteria and have the necessary documents ready. For a streamlined mortgage application process, get in contact with us, and we’ll guide you through the next steps.

About Us

Welcome to IMMANO, where expertise meets independence to provide you with a comprehensive solution for all your real estate and mortgage needs. Thanks to our experts’ 10 years of industry experience, you will benefit from us as a guide to achieving your real estate and mortgage goals.

Hypothek

Wondering how much you could save on your mortgage?

Find out with IMMANO – compare now!

Let’s go

Our mission at IMMANO is to assist individuals and families with real estate sales and mortgage financing. We strive to offer independent solutions that meet your individual goals and desires. With a focus on transparency and unbiased advice, we strive to accompany you every step of the way regarding your property.

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