Retirement mortgage – top up your pension with LEND
Concrete gold – utilise the financing potential of your property to improve your pension.
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A pension mortgage enables Swiss senior citizens to convert the value of their property into a one-off or regular payment without having to sell their home.
As it is not so easy for pensioners to increase their mortgage with the bank due to affordability, we offer the necessary flexibility and a solution for more liquidity in retirement with the property pension.
This is how a retirement mortgage works
Houses and flats have risen sharply in value in recent years, while the mortgage remained unchanged or was even amortised. This results in a financing potential that can be used, for example, to supplement income in old age. That's why we also call our financing solution a “real estate pension”. You can use this additional pension for your life or health.
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An example
At LEND, we offer flexible solutions that exploit the full financing potential of your property. For example:
Property values have increased by up to 100% in the last 20 years.
Property purchased 20 years ago for CHF 1 million with a mortgage of CHF 700,000 (loan-to-value ratio of 70%).
Current value of the property: CHF 1.75 million, with an increase in value of 75%.
The loan-to-value ratio of the original mortgage is now only 40%.
This results in additional financing potential of around CHF 500,000.
Your contact for customised mortgage solutions
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Harald Weber
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Sorousch Lapour