There are various documents you’ll need to complete during the application process. Read the full list of documents required here.

Every lender will look at various criteria before deciding whether to approve a mortgage. Some of the main factors that are taken into account are:

• A good credit history
• Being aged 18 or over
• Age not greater than 70 at the end of the mortgage term
• Ability to repay - as a guide mortgage repayments on all loans including your mortgage should not exceed 35% of your net income
• Secure employment
• Continuous employment for two years
• Good account management

In all cases the primary focus is on your repayment capacity.

Central bank deposit rules require a 10% deposit for first time buyers. So if your mortgage amount is CHF300,000, you’d need a deposit of CHF30,000.

We’ve a range of deposits and savings account options to help you save for your deposit. Call into your local branch or take a look at what savings and deposits options we have available.

The maximum amount you can borrow depends on several factors such as your income and your capacity to repay your loan. For a guideline on how much you could potentially borrow check out our online Mortgage Calculator.

Your repayments will depend on how much you borrow, the term or length of your mortgage as well as the interest rate that you’re charged. See our handy online Mortgage Calculator for an indication of how much your monthly repayments might be.