Bridge & development finance
in Geneva
Bridge and development finance for prime Geneva and Lake Geneva real estate, arranged through Swiss private banks and specialist lenders.
Geneva and the Lake Geneva arc are among the most stable prime residential markets in Europe, dominated by private banks. A bridge loan in Geneva is used to acquire ahead of a disposal, release equity from a lakefront asset, or refinance a maturing facility, where speed or flexibility matters more than the lower cost of a Swiss mortgage.
Passy Partners arranges Geneva bridge finance for Swiss-resident borrowers and Swiss-domiciled vehicles across the Rive gauche, Cologny and the lakefront. The Lex Koller regime restricts residential acquisition by non-residents, so we confirm eligibility with the borrower's Swiss counsel before issuing terms; commercial and qualifying hospitality fall outside it.
Full Switzerland coverage- –Acquisition and refinance bridges on prime Geneva residential for Swiss-resident borrowers.
- –Equity release against lakefront and Cologny trophy assets.
- –First-charge bridge against residential investment portfolios in the wider Vaud region.
- –Commercial and hospitality finance for non-resident borrowers under Lex Koller exemptions.
- Facility size
- From €1M, up to €50M
- Security position
- First charge / senior only
- Bridge pricing
- From ~8% per annum
- Bridge leverage
- Up to ~70% of value
- Development
- From ~8% p.a., up to ~60% of GDV
- Term
- 3–24 months (bridge); 18–36 (development)
Indicative parameters only. Rate, leverage and term are set by the chosen lender and confirmed on completion of underwriting.
Geneva bridge finance,
explained.
It depends on the asset more than the borrower. Non-residents are restricted from acquiring Swiss residential property under the Lex Koller regime, which limits financing secured against purely residential assets in Geneva. Commercial real estate, qualifying hospitality and certain mixed-use schemes generally fall outside it and can be financed for non-resident borrowers. For Swiss-resident borrowers and Swiss vehicles, the prime Geneva market is well served. We screen Lex Koller with the borrower's Swiss counsel before issuing terms.
Discuss a Geneva financing requirement
Initial conversations are confidential and without obligation.