# Independent Financing: More Choice, Better Rates, Higher Approval Chances — innoVorsorge AG > Many homeowners accept the first offer from their bank, even though other providers value the same property significantly higher or are more flexible when applying pension assets. Learn in our blog how to maximize your approval chances with independent financing. Adresse: https://www.innovorsorge.ch/en/blog/independent-financing Diese Fassung wird beim Bau aus dem Inhalt der Seite erzeugt. --- 14 Mar Written by Lukas Bachmann # Independent Financing: More Choice, Better Rates, Higher Approval Chances *As of February 2026 · By [Lukas Bachmann & Alessandrina Gull](https://www.innovorsorge.ch/en/about-us), innoVorsorge AG* You found your dream property, the bank offers you 1.58% interest for ten years – sounds good. But did you know that another bank would have offered you 1.38% for the same property? On a mortgage of CHF 700,000, that is CHF 14,000 difference over the term. Just like that. What most people do not know: if you had obtained multiple interest offers and negotiated, you would now be paying 0.2 percentage points less. That is CHF 14,000 more you pay on a CHF 700,000 mortgage over ten years! Just because you did not compare. ## The Two Biggest Mistakes When Getting a Mortgage ### Mistake 1: Only Getting One Interest Offer Most buyers go to their house bank and accept the first offer. The Swiss mortgage market is a negotiation market. Banks, insurance companies and pension funds have different refinancing costs, risk models and margin targets. Interest comparison: CHF 700,000 fixed mortgage over 10 years Provider A (1.58%) CHF 110,600 Provider B (1.49%) CHF 104,300 Provider C (1.38%) CHF 96,600 Difference between A and C: CHF 14,000 over ten years ### Mistake 2: Not Getting a Second Opinion After a Rejection If a bank rejects your financing, it does not mean the property is too expensive. It only means: this one bank, with its specific internal guidelines, comes to this conclusion. **Example:** Apartment for CHF 1,000,000, CHF 200,000 equity. Bank A values at CHF 950,000 → LTV 84.2% → rejection. Bank B values at CHF 1,020,000 → LTV 80% → approval. Those who give up after Bank A's rejection lose the property – even though financing would have been feasible. ## Why Provider Differences Are So Large - **Valuation tools:** Each bank uses its own models with different results. - **Treatment of pension assets:** Some banks fully credit pillar 3a and vested benefits, others only partially. - **Risk appetite:** Depending on portfolio strategy, banks have different LTV limits. - **Terms for existing customers:** House banks often offer worse conditions than competitors. ## What Independent Financing Advice Concretely Delivers - **Analysis of your financial situation** – income, assets, equity, affordability. - **Selection of suitable providers** – based on property, LTV and risk profile. - **Obtaining and negotiating offers** – including interest comparison and terms review. - **Support until closing** – with option for renewed comparison at renewal. ## Conclusion Independent financing advice costs something but usually saves a multiple. Those who compare multiple offers save tens of thousands of francs over the term. And those who do not give up after a rejection may secure their dream property. Have a mortgage coming up? In a free strategy meeting we analyze your financing situation and obtain the best offers for you. [Book a strategy meeting](https://www.innovorsorge.ch/en/strategy-meeting) Free · 15 min · Online [Back3rd Pillar in 2025 – Everything You Need to Know](https://www.innovorsorge.ch/en/blog/3rd-pillar-2025)[Pillar 3a Catch-Up Payments: How to Fill Gaps from Past YearsNext](https://www.innovorsorge.ch/en/blog/pillar-3a-retrospective-payments-2026)