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SFX is the tail­or-made mor­tga­ge com­pa­ri­son plat­form that mana­ges the enti­re pro­cess for all par­ties digi­ta­li­sed and sim­pli­fied for all par­ties.

Plea­se note that our soft­ware is exclu­si­ve­ly
desi­gned for B2B and per­fect­ly adapt­ed to their needs
is coor­di­na­ted.

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2’000

Mor­tga­ge Bro­kers

1.5

Clo­sing volu­me

25

Finan­cing part­ner

1’200

Mor­tga­ge Advi­sor

How the Swiss­FEX mor­tga­ge bro­kera­ge plat­form works

Trans­pa­rent offer com­pa­ri­son in real time – indi­vi­du­al cus­to­mer advice

Swiss­FEX AG ope­ra­tes an inde­pen­dent mor­tga­ge com­pa­ri­son plat­form for inter­me­dia­ries. We digi­ti­ze and sim­pli­fy the mor­tga­ge bro­kera­ge pro­cess and crea­te trans­pa­ren­cy. With us, inter­me­dia­ries compa­re in real time the various mor­tga­ge offers in dif­fe­rent dimen­si­ons. The SFX plat­form sup­ports con­sul­tants throug­hout the finan­cing pro­cess.

Our busi­ness model is based on the effi­ci­ent inter­ac­tion of the four play­ers pre­sen­ted below:

Swiss­FEX

Swiss­FEX AG’s SFX mor­tga­ge com­pa­ri­son plat­form ser­ves as an inter­face bet­ween affi­lia­ted len­ders (banks, insu­rance com­pa­nies and pen­si­on funds) and our bro­kera­ge part­ners. Through the cre­dit models stored per len­der and our algo­rith­ms, mor­tga­ge advi­sors can easi­ly deter­mi­ne and compa­re the indi­vi­du­al inte­rest rates of all pro­vi­ders in real time.

Pla­ce­ment part­ner

Swiss­FEX works exclu­si­ve­ly with pro­fes­sio­nal mor­tga­ge bro­kers. We com­bi­ne maxi­mum trans­pa­ren­cy and com­pa­ra­bi­li­ty of offers with indi­vi­du­al cus­to­mer advice. Beco­me a Swiss­FEX bro­kera­ge part­ner and bene­fit from the advan­ta­ges of the SFX plat­form.

Cus­to­mers

Cus­to­mers deci­de for them­sel­ves which inter­me­dia­ry part­ner they would like to recei­ve mor­tga­ge advice from. Our affi­lia­ted inter­me­dia­ries offer needs-based and indi­vi­dua­li­zed advice for finan­cing pro­jects.

Finan­cing part­ner

Banks, insu­r­ers, pen­si­on funds and invest­ment foun­da­ti­ons beco­me finan­cing part­ners via the SFX plat­form. The indi­vi­du­al finan­cing gui­de­lines and the len­ding pro­cess are model­led in detail on the plat­form during the onboar­ding pro­cess. Pri­cing models can be mana­ged inde­pendent­ly in a secu­re area. Len­ders also have the opti­on of inter­ac­ting digi­tal­ly with inter­me­dia­ries via the SFX plat­form.

More than just the best inte­rest rate

The SFX plat­form does not sim­ply iden­ti­fy the mor­tga­ge pro­vi­der with the lowest inte­rest rate. Our con­sul­tants are able to compa­re indi­vi­du­al offers in all dimen­si­ons and thus rea­li­ze opti­mal finan­cing of the pro­per­ty for their cli­ents.

Saron

-

from 0.66 %

5 years

Fixed-rate mor­tga­ge

from 1.04 %

10 years

Fixed-rate mor­tga­ge

from 1.31 %

15 years

Fixed-rate mor­tga­ge

from 1.53 %

20 years

Fixed-rate mor­tga­ge

from 1.70 %

25 years

Fixed-rate mor­tga­ge

from 1.78 %

The inte­rest rates shown are for illus­tra­ti­ve pur­po­ses only and show the cur­rent top con­di­ti­ons (as of: ). Your indi­vi­du­al inte­rest rate may dif­fer due to loan-to-value, afforda­bili­ty, mor­tga­ge volu­me and pro­per­ty loca­ti­on.

Fre­quent­ly asked ques­ti­ons

Who is behind Swiss­FEX?

Swiss­FEX AG is a public limi­t­ed com­pa­ny based in Zurich and ope­ra­tor of an inde­pen­dent bro­kera­ge plat­form for mor­tga­ges. It was estab­lished in 2019 as a whol­ly owned sub­si­dia­ry of Swiss Life Ltd.

What finan­cing is available through the SFX plat­form?

Curr­ent­ly, the SFX plat­form sup­ports the fol­lo­wing mor­tga­ge finan­cing:
  • Purcha­se / mor­tga­ge redemp­ti­on of owner-occu­p­ied resi­den­ti­al pro­per­ty
  • Purcha­se / mor­tga­ge redemp­ti­on of ren­ted resi­den­ti­al pro­per­ty (buy-to-let)
  • Purcha­se / mor­tga­ge redemp­ti­on of vaca­ti­on pro­per­ties
  • Purcha­se / mor­tga­ge redemp­ti­on of invest­ment pro­per­ties
    (MFH, offices, trade, etc. ‑espe­ci­al­ly also for legal enti­ties)
  • Con­s­truc­tion finan­cing

Why are the inte­rest rates offe­red so attrac­ti­ve?

The SFX plat­form is used by many dif­fe­rent finan­cing part­ners. For each finan­cing pro­ject, offers can be com­pared com­pre­hen­si­ve­ly and in real time. Our sales part­ners and the Swiss­FEX Ser­vice Cen­ter take over many admi­nis­tra­ti­ve acti­vi­ties for our finan­cing part­ners. This gene­ra­tes savings that our finan­cing part­ners can pass on with attrac­ti­ve terms.

Can I also use the SFX plat­form as an end cus­to­mer?

The SFX bro­kera­ge plat­form is available exclu­si­ve­ly to pro­fes­sio­nal mor­tga­ge bro­kers. Becau­se we are con­vin­ced that com­pre­hen­si­ve advice and sup­port during the finan­cing pro­cess is indis­pensable. Swiss­FEX acts exclu­si­ve­ly as a plat­form ope­ra­tor and does not have its own sales force. Our renow­ned sales part­ners have a den­se net­work of bran­ches throug­hout Switz­er­land.

How does Swiss­FEX ensu­re inde­pen­dent advice?

Swiss­FEX recei­ves lar­ge­ly stan­dar­di­zed com­mis­si­on rates from all affi­lia­ted len­ders (banks, insu­rance com­pa­nies and pen­si­on funds). This coun­ter­acts a con­flict of inte­rest in the con­sul­ta­ti­on. Mor­tga­ge offers on the SFX plat­form are pre­sen­ted in a neu­tral way in terms of quan­ti­ty (e.g. inte­rest rates) and qua­li­ty (e.g. legal clau­ses in the mas­ter agree­ment). This enables our bro­kera­ge part­ners to pro­vi­de inde­pen­dent and trans­pa­rent cus­to­mer advice.

How is Swiss­FEX finan­ced?

When a mor­tga­ge is suc­cessful­ly con­cluded, Swiss­Fex recei­ves a bro­kera­ge com­mis­si­on from the lin­ked finan­cing part­ners (banks, insu­rance com­pa­nies and pen­si­on funds). Part of this bro­kera­ge com­mis­si­on flows to our bro­kera­ge part­ners as clo­sing com­mis­si­on.

How secu­re is my data?

Your data is encrypt­ed using sta­te-of-the-art pro­ce­du­res and stored exclu­si­ve­ly in Switz­er­land.

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Swiss­FEX AG
Hardturmstrasse 253
8005 Zürich

Ser­vice Cen­ter
+41 44 275 27 00