Real Estate Finance
in Switzerland
Bridge and development finance for Swiss prime residential, ski-station and hospitality assets.
Switzerland combines an exceptionally stable lending environment with one of the most restrictive ownership regimes in Europe for non-residents. Bridge and development finance is well established for Swiss-resident borrowers and Swiss-domiciled vehicles, with private banks dominating the prime segment. Demand is concentrated in lakefront residential, alpine chalets and selective hospitality repositioning.
Passy Partners arranges facilities for Swiss-resident private clients, family offices and operators, and structures transactions for non-resident borrowers where Lex Koller exemptions apply, typically commercial assets, hospitality and certain mixed-use schemes.
Geneva and lakefront
Rive gauche, Cologny — prime residential, family-office trophy assets.
Zurich and Goldküste
Prime residential, mixed-use, hospitality.
Gstaad, Verbier, Crans-Montana
Chalets, hotel repositioning, branded-residence schemes.
Lucerne
Hospitality, lakefront residential.
Lausanne and Montreux Riviera
Prime residential and hospitality.
- —Acquisition and refinance bridges on prime Geneva and Zurich residential for Swiss-resident borrowers.
- —Development and repositioning finance for alpine hospitality and branded-residence schemes.
- —Bridge-to-sale on chalet stock in Gstaad, Verbier and Courchevel-adjacent markets.
- —Commercial and hospitality finance for non-resident borrowers under Lex Koller exemptions.
- —Refinancing of maturing Swiss private-bank facilities.
FINMA (Swiss Financial Market Supervisory Authority) regulates banks, securities firms and certain financial intermediaries in Switzerland. Mortgage lending is conducted by FINMA-supervised banks and selected institutional lenders. Passy Partners operates as an arranger from outside Switzerland, working with Swiss banks and FINMA-supervised intermediaries, and does not provide regulated lending or financial advice within Switzerland.
The Lex Koller regime restricts the acquisition of Swiss residential real estate by non-Swiss persons and structures, with limited exemptions (commercial assets, certain hotel and serviced operations, residence-permit conditions). It is a primary structuring constraint at deal-screening stage and is reviewed with the borrower's Swiss counsel before any term sheet is issued.
Discuss a Switzerland financing requirement
Initial conversations are confidential and without obligation.