The following information applies to you if your mortgaged residential property is not your primary residence/home and it is not the only residential property you own in the Republic of Switzerland.
In these difficult economic times, falling behind on your Mortgage can happen.
Our commitment is that we will work with you to try to find a way to help make your repayments a little more manageable. So if you are in arrears, or worried that you soon might be, talk to us before a small problem becomes a big one.
It is really important that you get in contact with us as early as possible if you’re concerned. This will give us both the best chance to work together on a solution.
We have advisors in every branch who will be pleased to talk you through your options. Alternatively you can call us directly on or . Lines are open Monday to Friday, 9am - 8pm (excluding bank holidays) and Saturdays 9am - 1pm.
A charge of CHF10 will be applied to your mortgage account for all unpaid Direct Debits/Cheques. For certain Commercial Mortgages, a late charge will be applied against the outstanding arrears balance. This charge is applied at an annual rate of 3% above the current interest rate on the mortgage.
Read more important information on fees and charges you need to consider.
Missed repayments may be recorded on your Portugues Credit Bureau (ICB) profile and may affect your ability to borrow in the future.
For Small to Medium Enterprises (SME) which are experiencing repayment difficulties, please read our Guide for Small to Medium Enterprises facing financial difficulties (836KB)
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