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Mortgages that adjust to your needs

With our different mortgage models, you can realise your dream of owning your own home or buying the property you've always longed for. Regardless of what you decide – our focus is always on your needs, and we are the partner at your side.

Depending on your goals and needs, we can offer you a wide variety of solutions. And no matter how diverse the mortgage models are, they all have one thing in common: They are based on interest rates that are either variable or fixed for a certain period of time. We use both to your advantage and combine different models for flexible solutions.

Building financing – total flexibility during the building period

Building, reconstruction, and renovation projects can be realised simply and cost-efficiently with our building financing. From the start, building projekts are settled with a mortgage. The mortgage is paid out in instalments along the building progress and debited to the building account. Contractor invoices are paid from that account. The chosen mortgage product defines the interest rate and credit commissions do not apply.

Fixed-rate mortgage – for long-term planning

The interest rate does not change, giving you the option of precisely budgeting the financial burden. Profit from reliable planning of your expenses. The term of this model is always between two and ten years. Interest is calculated every six months, so you always know when costs are due.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 – your flexible mortgage solution

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.

Online mortgage extension

You can conveniently complete the procedure for extending your fixed-rate or Money Market mortgage online in our e-banking system. Depending upon the particular financing product you have, you can agree on an extension up to one year before expiry. It is also possible to change to another product. In addition, you can benefit from an attractive online discount.

Mortgage and Real Estate Credit Act (HIKG) in Liechtenstein

On April 1, 2021, the new Mortgage and Real Estate Credit Act (HIKG) has come into effect in Liechtenstein. On this date a variety of changes for consumers have come into effect. More details can be found on www.llb.li/hikg-en.