Realise your plans and visions

We offer flexible mortgages to fit your needs

You can choose from our customised financing options to implement your real estate projects. Whether a functional new building, renovations according to your needs, or property financing: You will always benefit from attractive conditions.

We attach special importance to your real estate financing needs. We offer individualised mortgage models for real estate in Liechtenstein and Switzerland.

Our wide range of mortgage models is based on interest rates that are either variable or fixed for a specific time period. We employ both models to your advantage. For flexible solutions, we combine different models.

Building loan

With this solution, you pay your equity into a building loan account, which is used to pay current invoices. Each quarter, we charge the contractually agreed interest rate and commissions on the effectively used loan amount. Once the building construction has been successfully completed and all invoices have been paid, we convert the building loan into a mortgage of your choice.

Fixed-rate mortgage

This mortgage is based on a fixed interest rate for the entire term of the mortgage, which may be between two and ten years. The minimum amount is CHF 100'000. Interest payments are made every half-year. The advantage for you is the consistent calculation of payments because there are no interest rate fluctuations. Extend your fixed-rate mortgage online in your LLB e-banking a year before it expires or contact your client advisor.

Money Market mortgage – benefit from market-based interest rates

The interest rate of the Money Market mortgage is based on the SARON (Swiss Average Rate Overnight) and is adjusted monthly or quarterly. If you are expecting stable or falling interest rates but still would like to enter a long-term product commitment with a fixed margin, then the Money Market mortgage is the right choice for you. The contract term runs for 2, 3, 4 or 5 years.

Money Market Flex mortgage

The interest rate of the Money Market Flex mortgage is based on the SARON (Swiss Average Rate Overnight). If you are expecting stable or falling interest rates and would like full flexibility when it comes to amortisation and switching to another mortgage product, then the Money Market Flex mortgage is the right choice for you. The term of the Money Market Flex mortgage is one or three months and, where agreed, is renewed automatically for the same term.

Variable basic mortgage – stay on track

This mortgage is suitable for smaller financings. The minimum amount for a variable basic mortgage is CHF 20,000. The contract period is six months. The variable basic mortgage is based on the SARON (Swiss Average Rate Overnight) Compoung and is adjusted half-yearly.

Environmental mortgage – your project in Liechtenstein and Switzerland

Would you like to invest – in new buildings with the Minergie rating, passive houses, or comparable alternative energy standards? Then our environmental mortgage is especially worthwhile for you. You benefit from our preferential conditions – also for renovations and conversions including replacement of fossil heating systems of Minergie-certified buildings. The term of the mortgage is five years. After that, you can choose from all other mortgage products for further financing.

Your benefits

  • Financial security for your real estate projects
  • Individually selectable mortgage model
  • Calculation in advance for fixed interest rates
  • Possible advantages with market interest rates
  • Overview of complete costs and payments