Hi, has anyone had experience negotiating with a bank in the case of a mortgage on Swiss real estate when the owner relocated to the USA? In my case, dual citizenship applies.

Much thanks.

It will be very difficult as most Banks won't do this, especially as it is now a second home.

Cant you remortgage with your current provider? Id have thought that would be the most likely option.

Hi have only sent an initial email inquiry stating the possibility of a relocation and requesting guidance from the bank. As I understand some banks have required repayment of a mortgage in this setting, I want as much lead time as possible and some personal experience from readers if there is any. Much thanks.

UBS told us that it's possible to keep it until the mortgage expires and they generally would then not renew (unless you have more than half a million with them). So if you took out a 10-year mortgage and moved to the US 2 years later, you would be able to keep the mortgage for the remaining 8 years. It'll most definitely be different for each bank.