finovo enables institutional investors to invest directly in mortgages and is the leading mortgage servicing partner for pension funds, insurance companies and investment foundations in Switzerland. The FinTech company offers everything related to mortgage servicing with its proprietary IT platform, focusing on the efficient management of mortgages. finovo was founded in 2016 and has been a wholly owned subsidiary of MoneyPark AG since the beginning of 2018. We are a first-class team that builds and develops one of the most modern mortgage platforms in Switzerland with joy and innovation. You can make a big difference in this exciting environment!

finovo

Our teams identify the needs of our customers and partners and develop innovative solutions. In this way, we help to fulfill our customers' dream of owning their own property and remain one of the leading Swiss FinTech companies. We constantly measure, update and improve our solutions with a data-driven, modern approach. In addition, we place great value on teamwork and collaboration with other departments - and we don't miss out on the fun either.

Tech & Product

Our team makes sure that everyone outside MoneyPark understands what we do. We bring customers together with our advisors and make sure that they find their way around our website in the best possible way. We work tirelessly to improve the experience for our customers. Everyone on our team has their area of expertise and contributes their expertise so that together we become even more successful.

Marketing

As independent advisors, we fulfill our customers' housing dreams and bring transparency to the mortgage market. Each of us lives to share our knowledge and use it to the benefit of our customers. In doing so, we work as a team side by side with various experts for the individual and optimal solution. We don't take "no" or "impossible" for an answer. If you want to make a difference and really have an impact, you've come to the right place.

Mortgage & Pension Planning

On our %s you find a summary of all important information.

Everything that holds MoneyPark together on the inside comes together with us. In the areas of HR, Finance, Legal and Partner Management, we make sure that everything runs smoothly and act as troubleshooters in case of emergency. We are a diverse team with different specialties and in all parts of the country. Whether you're better with people or numbers, we love to learn new things and push each other further.

Operations

We accompany our customers from A-Z, from the property search to the valuation of a property to the purchase and sale. In close cooperation with our financing experts and supported by pioneering technology, we make home-related dreams come true. Our customers and the team are at the center of everything we do. Do you want to change the real estate market with your expertise and together with us?  Transparency, independence and technology are our means to do so.

Real Estate

Amortization calculator

Our amortization calculator is a fast and simple way for you to find out whether you would financially benefit from an amortization of your mortgage or better invest your money in other investment opportunities.

Based on your information, an amortization of your mortgage would not pay off for you.

Based on your information, you would financially benefit from an amortization of your mortgage.

As a general rule, an amortization is not worthwhile if the return that you can achieve at the capital markets is higher than your mortgage interest payments. The results of our amortization calculator are a rough estimate only and are based on simplifying assumptions. Our amortization calculator is no substitute for professional, in-person advice.

What is the amount of assets that you could use for an amortization of your mortgage?

How much return can you realistically achieve by investing in shares, obligations, fonds or keeping your money in a savings account instead of using it for the amortization of your mortgage?

Your income bracket defines the calculation of your marginal tax rate. The higher your taxable income, the higher is your marginal tax rate because of progressive taxation and the less attractive it becomes to reduce your debt.

Please indicate whether your are married or single.

The interest rate of your mortgage is stated in your mortgage loan agreement.

Please select the canton where you pay your taxes.

The calculations we use on our website are based on standardized assumptions and are generally not able to consider your individual situation in detail. Therefore our tools and calculators provide you with guideline values, but only personal advice allows for exact results.

Buy or rent calculator

Careers

Branches / Contact us

The question often comes up whether you can save money by buying a property or whether a rental relationship is ultimately less expensive. With our calculator you can find out in no time how much you can save monthly or annually.

With the budget price calculator, you will immediately receive an approximate possible purchase price for your property. Simply enter your annual gross income and your own funds and you will receive your result.

Calculate purchase budget

The best financing solution from the offers of over 150 providers with a customized financing strategy & attractive interest rates.

Current information about your property can be called up at any time, e.g. value development since purchase, number of qualified prospective buyers, etc.

Long-term protection for you and your property thanks to a suitable pension planning solution.

Personal needs analysis and calculation of the maximum purchase price as well as the largest selection including properties that you will find exclusively with us.

Fast sale thanks to our in-house database of qualified prospective buyers and maximum convenience, as we accompany you all the way and take care of all the hassle for you.

MoneyPark assists you with finding your dream property, offers you a free property valuation and makes sure you get the best rates for the financing and refinancing of your home.

When taking out a mortgage loan, the borrower has to provide 20% of the property value in the form of own funds. Or, to put it differently: The loan-to-value ratio must not exceed 80%. Our LTV calculator is an easy and fast way for you to learn whether your loan-to-value ratio is within those limits.

Select your monthly rental payments by using the slider. Now you will see a guideline value for the maximum purchase price that you can afford when buying a property. The calculation is based on the assumption that your loan-to-value ratio is 80%, which means that you are able to finance 20% of the purchase price via your own funds.

Or would you like to calculate your <a href="https://moneypark.ch/en/the-simplest-way/form/">personalized interest rates?</a>

With the mortgage calculator you can quickly and easily calculate your mortgage.

MoneyPark partners with its 100th mortgage provider

100 great employees working for MoneyPark

MoneyPark serves customers with more than 80 client advisors throughout Switzerland

MoneyPark acquires DEFFERRARD & LANZ, largest independent mortgage broker in Romandie

MoneyPark surpasses 500m CHF in mortgage volume

MoneyPark surpasses 100m CHF in mortgage volume

MoneyPark celebrates the closing of the 1000th mortgage customer

The first employee to join MoneyPark is Benjamin Tacquet (CTO)

MoneyPark surpasses 1bn CHF in mortgage volume

MoneyPark is founded by Stefan Heitmann in a small flat in Wilen (SZ)

MoneyPark celebrates the closing of the 10'000th mortgage customer

MoneyPark acquires pension fund specialist finovo

The first release of the customer meeting platform

Helvetia becomes majority shareholder @ 153m CHF enterprise value

MoneyPark moves to new Zurich office (1200 square meters)

Great MoneyPark marketing event "Robin Hood vs. financial business establishment"

200 great employees working for the MoneyPark group

300 great employees working for the MoneyPark group and over 3bn CHF in brokered mortgage volume

MoneyPark works with over 150 mortgage providers

MoneyPark surpasses 10bn CHF mortgage volume

MoneyPark launches the first Swiss mortgage exchange platform (MEx)

MoneyPark surpasses 2bn in mortgage volume

MoneyPark exceeds 500m CHF in retirement volume

MoneyPark brokers more than 2bn CHF in mortgage volume in a single year and is the 4th largest mortgage force in CH

Your personal needs are always at the heart of our advice. Our expertise is based on many years of market knowledge, driven by a highly qualified and competent team of consultants and supported by pioneering technology.

We are independent. Our vision is to change existing structures and make the real estate and mortgage market easier and more open for our customers. Transparency is therefore at the heart of our business - be it in the valuation of a property, the financing offers from our partners or our consulting services for the purchasing and selling process.

We are experts. We help you with the search, the financing, during the ownership phase and with the sale of your property. We give you access to exclusive properties and the largest selection of financing and pension solutions from over 150 partners. We keep you up to date on the development of your property and, supported by the latest data technology, we accompany you competently and personally through the sales process.

We are a FinTech. We enable you to make easier and more informed decisions through a combination of innovative technology and personalized advice. We develop and use market-leading, data-based technology and tools enabling us to offer you straightforward, digital access to the largest selection of real estate solutions in Switzerland - from property valuation to secure and sustainable financing.

About us

Buying your own four walls is a unique project which many Swiss people dream of doing. There are various factors to be taken into account if this dream is to become a reality. You should, for example, have a clear picture of how much space your home must have or how important good public transport links are to you. Being able to finance your dream property in the best possible way also plays an extremely important role, of course. What are the various different mortgage models and what are their features? Our advisors will advise you independently and free of conflicts of interest on questions concerning a possible property purchase.

When you have finally found your dream home, MoneyPark’s pre-qualification increases your chance of your offer being accepted. You can generate your personal pre-qualification yourself online. After filling out a simple form with the most important information about your personal circumstances, you will receive a document showing you your purchase price range for a property in your desired region. Bring this document to your next property viewing to give the estate agent or seller an impression of your purchasing power and to emphasise your intention to buy.

With MoneyPark's real estate platform you have access to current information about your property at any time. With just one click you can see the value development since the purchase, the number of qualified prospective buyers and much more.

With MoneyPark, you receive all real estate services from the same place. We support you in searching for and valuing a property right through to buying and selling one. Our experienced specialists will be happy to advise you either in one of our 20 branches across Switzerland or conveniently over the phone. You can find an overview of our services below.

The MoneyPark property search is the quickest and simplest way to find your dream home. Our reliable database does not just include all properties that can be found on other portals but also listings exclusive to MoneyPark. We get these from our partners before they are advertised to the public. After you have entered the most important search criteria, such as the purchase price or the desired number of rooms, we will regularly send you suitable properties by e-mail. Extensive information about the surrounding area is available for each property, such as noise, view, shopping etc.

Whether it’s in connection with buying or selling a property or just out of interest: with MoneyPark, you can value a property online quickly, simply and free of charge. Estimating the value of a property can be difficult. We therefore suggest an objective approach to get a realistic idea of the value of a certain property. For valuing properties, MoneyPark uses the latest technologies in the form of big data and machine learning. Unlike with standard valuation methods, we do not just analyse the data available but also identify patterns and general rules so we can provide you with an even more informative assessment.

There are many reasons why people want to sell their house. It could be that their family has grown and their current home is now too small – or it could actually be too big after the children have flown the nest. Before selling a house, there is a fundamental question to consider: do you want to handle the sale yourself and invest a lot of time and energy in this project or get a professional to do it for you? Our advisors will accompany you from A to Z during the sale of a property and take care of all the organizational work.

Please note that the possible purchase price displayed is only an approximate value.

How much can you save when it comes to the refinancing of your home? Almost 70% of Swiss property owners pay CHF 2500 too much each year because they don't compare different mortgage offers. Compare the best MoneyPark rate out of the offers from more than 150 providers with your current offer and you will immediately see your potential savings.

How much can you save when it comes to your mortgage? Compare the best MoneyPark rate out of the offers from more than 150 providers with an average rate and you will immediately see your potential savings.

We analyze the property and define a sales strategy together with you that covers your individual needs.

Analysis and selling strategy

Thanks to professional images including a 360° tour, prospective buyers get a precise impression of the property.

Photo shooting

We put your property in the best light and at the same time increase the efficiency of viewings.

Sales documentation

Thanks to over 5000 financially qualified prospects, we achieve the best selling price for your property.

Best selling price

We take care of all inquiries and viewings and keep you informed about the progress at any time.

Prospect management

We negotiate with potential buyers in your best interest, but the final decision is always yours.

Negotiation

Notary appointment, tax issues or the financing of your succession property - we accompany you and take care of it.

Finalization of the sale

Even after selling, you benefit from our all-round service in the areas of real estate, mortgages and pension planning.

Conclusion

Successfully completing a project is the best way to start a partnership. From now on, let us write your success story together.

MoneyPark currently employs more than 300 staff in over 20 branches. They all share the same ambition: to offer our customers the best financial advice in Switzerland. We live up to this commitment thanks to continuous innovation in all areas of our business and the tireless dedication of each individual. It is this combination of progress and passion that has made us Switzerland's No. 1 independent mortgage and property specialist.

The Board of Directors of the MoneyPark Group is responsible for the strategic direction and controls the management.

The executive board faces the strategic and operational challenges of MoneyPark. The team has years of in-depth experience in the areas of banking, technology, sales, consulting and marketing.

This is the percentage of properties in this region with a lower value than the estimated value of your property.

This is the percentage of properties in this region with a higher value than the estimated value of your property.

This refers to the net living area (living area excluding basement without windows, excluding uninhabitable attics and excluding outside areas)

Only bathrooms with a shower and / or a bathtub are counted as bathrooms. Guest toilets do not count.

Please assess the condition of the property: New / Recently renovated: Property is in an outstanding condition. Well maintained: Property was regularly maintained and necessary refurbishments were made. Needs renovation: no renovations were carried out over a long period of time.

Depending on how common your property (e.g., size or condition) and how liquid the market segment is (e.g. location), we have a differently comprehensive data base that is included in the price evaluation. The more data are available, the more accurate the valuation of the property.

In order to make sure this request is no spam, we kindly ask you to provide us with your contact details.

Various factors such as square meter prices as well as transaction prices of properties sold in the selected region were included in this valuation.

In the process of our advisory service we provide you with a reliable, free-of-charge valuation of your property. We use the same valuation tools as banks, which means they will accept our valuation and you won't have to do it again.

Please enter the amount displayed on your pension fund statement.

Please enter your average bonus payments received over the last 3 years.

Please enter the amount of your current mortgage.
This information helps us calculate your loan-to-value ratio and the total amortization amount.

Please enter the expected value of the property for which you would like to get a mortgage.
This information helps us calculate your loan-to-value ratio as well as your optimal mortgage amount.

Please enter the amount of any further assets available to you.

Please enter the amount of possible further income per year.

Please also include any cash and securities available.
This information helps us calculate your loan-to-value ratio.

Please enter the current value of your life insurance policy / policies.

Please enter the ZIP code of the city where the property that you would like to purchase / refinance is located.
This information allows us to include only providers who offer property financing in this area.

Please enter the amount available in your pillar 3a account (without insurances).

The pre-filled value in this field is the mortgage amount that we recommend in order to optimize the rates for your property financing. The value is based on the information you entered on this page. You can edit the value, but doing so might impact your personalized rates.

Please enter the amount of possible rental income from other properties.

Please enter the combined annual gross income of all persons in your household without possible bonus payments.
This information helps us calculate your affordability.

Please enter the year you were born.
This information helps us calculate your annual amortization payments.

Please select the most accurate option for your project.

Please indicate whether you need a new mortgage or a renewal of an already existing mortgage.
Depending on the type of mortgage we use different information for our calculation; e.g. available funds for new mortgages and the current mortgage amount for the renewal of existing mortgages.

Please select the type of property for which you intend to use the mortgage.This information allows us to include only those providers who offer financing for the selected type of property. In addition, different loan-to-value ratio limits apply depending on the type of property, which we consider in our calculation.

Please indicate by when you need the mortgage to be paid out at the latest.
Thanks to this information we are able to see whether a forward surcharge has to be applied and filter out providers that do not offer this option.

The loan-to-value ratio is the ratio of the required mortgage amount to the buying price of the property. Most providers allow a loan-to-value ratio of up to 80%.

Affordability is the ratio of the expenses for the property to the income expressed as percentage. Normally, the upper limit is at 33% but can be higher, depending on the provider.

Interest rate development