Why does financing cost less at VZ than elsewhere?

In Switzerland, banks generally act as capital providers, risk carriers and administrators in the mortgage business. In addition to other aspects, their dense branch network in particular makes managing mortgages significantly more expensive than in other countries.

At VZ, we concentrate on mortgage management. We refinance mortgages via a secondary mortgage market with institutional investors such as pension funds, life insurance companies and banks. By focusing on this aspect and not having a dense network of branches, HypothekenZentrum is able to keep its costs far lower than traditional lenders. This is reflected in the sustainably lower mortgage prices that we are able to offer our clients.