Subordinate mortgage for greater liquidity

Additional funds when conventional mortgages reach their limits. For renovations, investments, retirement, or the purchase of a new property.

Is a subordinated mortgage right for your situation?

Typical use cases:

  • Your bank does not finance the full capital requirement

  • You need additional liquidity at short notice

  • Your situation does not fit standardized financing criteria

Not a suitable solution for:

  • You are looking for a conventional primary (senior lien) mortgage

  • You need standard financing for residential property

  • You do not have real estate collateral in Switzerland

Our offers for subordinate financing

Second mortgage – unlocking capital for owners using property as collateral

Do you have big plans but your money is tied up in your property? With a second mortgage, we convert the value of your home into liquidity for you. This is how you can finance renovations, investments, or other needs.


Modern luxury house in the Swiss Alps at sunset, with large glass fronts and panoramic views of the mountains.
An elderly couple sits relaxed together on the sofa. Both are looking at a laptop.

Retirement mortgage – your property pension

With a retirement mortgage, we use the value of your property without requiring you to sell or move. Ideal for supplementing your retirement provision or easing your financial burden in retirement.


Bridge financing – from your old house to your new one

Would you like to purchase a new property before your existing one has been sold? We provide bridge financing for exactly these situations, even when banks are unable to make offers due to affordability requirements. We create the necessary liquidity so you can close the deal.


Modern detached house with a gabled roof, white walls, large terrace with seating area and well-kept garden on a sunny day.
Modern apartment building with balconies and rounded corner against blue sky.

Mezzanine financing for real estate professionals – increase your return on equity

Are you looking for flexible financing for your real estate project?

Use our mezzanine financing to get the most out of your equity. This hybrid form of financing creates additional capital for projects that go beyond conventional bank financing.


More solutions from LEND

Personal Loan

Your individual personal loan with fair terms and low interest rates starting at 4.3%. Find out your interest rate forecast during the application process.

Business Loan

LEND's SME loans offer small and medium-sized enterprises a straightforward and attractive financing alternative to traditional bank loans.

Invest

Invest in Swiss loans and mortgages starting at CHF 500. Pick your own projects or use our pooled loan portfolios for a broad diversification.