Mortgage calculator

Are you looking for a mortgage calculator? Monthly costs, loan-to-value ratio & affordability - get your personal results now!

Or would you like to calculate your personalized interest rates?


Loan-to-value ratio

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Amount of mortgage
Amount of mortgage
Own funds
Own funds
own funds


Mortgage rate %
Your mortgage is
Affordable Possibly affordable Hardly/Not Affordable
Total monthly payments CHF
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{$ affordability_value() > 100 ? '>' + 100 : affordability_value() $}%

of your income will be used to cover your mortgage payments.

Affordability limit
Your affordability
Total monthly payments
Monthly interest payments chf
Maintenance and additional costs chf
Amortization costs chf

Calculate your savings

0 CHF 3'000'000

Costs with standard mortgage


Costs with MoneyPark mortgage

Max. annual savings with MoneyPark
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We compare the offers of more than 150 providers and find the best mortgage together with you. As a result you save on average CHF 2500 per year.

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With our MoneyPark Mortgage Calculator, you can quickly find out whether you can afford your dream property.

The mortgage calculator helps you assess whether you can afford a mortgage for a specific property or not. The loan-to-value ratio may usually not exceed 80%, so you have to be able to afford 20% of the property value with your own funds. At the same time, the costs of the mortgage may not be higher than 33% of your gross income. Please note: The results are indications. Our advisors will gladly help you elaborate on your possibilities. Feel free to contact us!

The loan-to-value ratio compares the ratio between the amount of the mortgage loan and the value of the property. When determining the value of the property, the ‘lowest-value principle’ comes into play: the value used is whichever is the lower of the property valuation or purchase price. The loan-to-value ratio usually cannot exceed 80 per cent, i.e. you must finance at least 20 per cent of the value using your own resources. These could include, for example, savings, securities or inheritances. You can also call upon your retirement pension assets – however, the rules state that no more than 10 per cent of the property value can be financed by this method. Please visit our pension calculation page for more information

As regards affordability, the monthly financial burden resulting from your mortgage and house purchase may not exceed 33 per cent of your gross monthly income. In addition to the mortgage itself, your monthly running costs also include maintenance, incidental expenses and amortization payments. Because interest rates are often subject to strong fluctuation (see the MoneyPark Interest Rate Trends Tool), the affordability calculation is based on an imputed mortgage rate of 5 per cent. A further two percentage points are then usually added to cover estimated residual costs. You can find further information about affordability on our affordability calculator page.

Looking for the best deals from different Swiss providers? Our mortgage comparison page can help you.

In addition to the mortgage interest rate, the term (duration) of the amortized portion of the mortgage (usually up to a maximum of 65 to 70 per cent of the value of the property) is also a critical feature affecting the monthly repayments. The shorter the amortization term, the higher the monthly repayment, and vice versa. The calculation is based on the usual amortization term of 15 years. In any event, 65 per cent of the mortgage must be amortized (repaid) before you reach retirement age. For more information on amortization, please visit our amortization calculator page.

Our mortgage calculator is intended to be an initial guide and does not replace in-person advice.

During a personal advisory meeting we also look to tailor the financing to your specific requirements and help you choose the mortgage which is most appropriate for your personal circumstances. We not only compare the interest rates of different providers, but also work with you to develop an optimal mortgage strategy. MoneyPark AG can provide you with an overview of every type of mortgage available on the market – from a LIBOR mortgage through to both variable-rate and fixed-rate mortgages. We ensure you find the right financing partner, get a transparent market overview, and close a mortgage at the most favorable terms. Our advisors will be happy to help you clarify your specific requirements and then find you the best option available from over 150 banks and insurance companies. MoneyPark customers can expect to save an average of CHF 2'500 per year. We look forward to your financing request.

Let’s briefly summarize the most important features once again:

  • The mortgage calculator provides information about whether you can afford your dream property
  • Loan-to-value ratio and affordability are key indicators
  • The loan-to-value ratio is the proportionate relationship between the mortgage amount and the value of the property
  • Usually, at least 20 per cent of the property value must be financed using your own funds
  • An affordability check provides information about your monthly mortgage repayment costs at an imputed interest rate of 5 per cent
  • Costs related to the financing and the property should be no more than 33 per cent of your gross income
  • The calculator simply offers you guideline values and does not replace in-person advice


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