Here was our experience with Moneypark:

• We sent them an email, telling them we were looking at buying a house.
• They set up a call that took roughly an hour. We spoke with Eugen Neumann who explained how the process works, how mortgages in Switzerland work, etc... He was fantastic and I can't recommend him enough.
• We decided to go with them, with their standard price (CHF 1'000 or so, I believe), signed some simple paperwork.
• They did all the legwork, got us a great mortgage.
• After the mortgage was said and done, we paid them CHF 1'000.

And then:

• We realized we needed to do some home renovations.
• I dropped Eugen an email.
• In a few days he had quotes back for the home renovation mortgage.
• Now we're renovating, and he didn't charge us fees for it!

My perspective is this:

Getting a mortgage is pain, because if you're going to do it right you've got to have the same conversation with at least 3 or 4 different banks, all with different systems and approaches.

Going to a mortgage broker (and I do recommend Eugen and Moneypark) might cost a little, but the amount of time and aggravation you save by having one conversation with one person instead of 3, 4, or more conversations with a bunch of different folks is totally worth it.

But no, there's no CHF 250 consultation fee with Moneypark, just drop them an email or give them a call, and they'll explain the process and answer your questions for free.

Could you expand on this, because unless you have a deep trust in someone (which you can't have to total strangers, especially if their interest does not align with your interest...), you need to do the legwork yourself too. Otherwise how do you know you really got a good deal? But if you do the legwork, then why would you need a broker?


This is a genuine question, and it is not just about mortgage brokers, but about all walks of life. You NEED to be a bit of a pro in the subject, just so that you don't get played. In most cases deciding whether something is of good quality is much easier than actually doing the work in good quality - that's why builders will ALWAYS have a job. But in the case of a mortgage broker, I'm not so sure.

Fair question.

A little context here, I'm from the US and I've gotten (I think) 6 or 7 mortgages for 3 different properties. I learned very quickly that a good mortgage broker can get me a much better deal on a mortgage than I could myself. I had a mortgage broker get me a mortgage ~3 points lower than the best rate I found on my own once.

Poking around on these forums, paying attention to the market, you can reasonably easily tell what the range of expected mortgage rates are, and the rate we got a while back fell well within those ranges.

My situation is a little more complicated because I'm an American so my government makes everyone else's job harder when it comes to banking and investing, but even with that the rate was in line.

Plus, Eugen (our guy at Moneypark) was able to show us the rates being offered by (I think) 8 different banks all at the same time, the pros and cons of each, the meanings behind the different terms, etc...

When we got the home improvement loan, we didn't even bother with the whole "show us 8 different rates" because Eugen knew our requirements, we knew Eugen would get us a good deal, so he basically said, "here you go!" and that was that.

And yes, the rate was in line, because I'm a big fan of "trust but verify."

I think the bottom line for a mortgage broker is the time savings - if you do all the legwork of talking to 8 different banks, you're going to do a lot of legwork. I preferred paying a relatively nominal fee given the size of Swiss mortgages to have our broker talk to all those banks. The only legwork I had to do was spend 20 minutes online making sure the terms and rates were reasonable.

(And apologies for the long and rambling reply.)

My experience is with DL who was integrated into Moneypark few years ago - for a foreigner with no experience buying a property, they were very helpful throughout the whole process and they got me mortage rate far better than my bank (10 years customer) or 'special offer' for employees of my company from another bank.

I used them for my house purchase in 2020 and they did take away alot of the hassle of getting the mortgage approval etc plus they got the best deal I could have imagined (0.6% fixed for 10 years) and I was simultaneously looking myself.

They do try to upsell, stuff like life insurance but they are a business at the end of the day and that is fine by me

If anyone does not have the time to send off 10 seperate applications or dont know the whole process or who to approach, they are well worth the CHF1000 fee.

We also used Moneypark for our property purchase.

They were very useful - not least because they know how the property market in Switzerland works, which means that they can also provide non-mortgage related advice. In our case, they spotted that the cheeky estate agent had included the area of the balconies into the overall sq metres of the flat, which is not allowed - and this helped us to negotiate a better purchase price with the vendor.

I have to say, in the end my normal bank (our old friends at CS) provided an offer which was slightly better than the best one which Moneypark could find. The Moneypark guy was a bit gutted about that.

So my advice - yes, use Moneypark, but don't forget to ask your normal bank for a mortgage offer, too.