Mortgage affordability simulator

Estimate a sustainable purchase price from income, equity, interest rates, and Swiss affordability rules.

Gross household income

CHF/yr

Hard equity / cash

CHF

At least 10% should not come from pillar 2

Pension equity used

CHF

Property price to test

CHF

Actual mortgage rate

Stress rate

Maintenance assumption

Estimated affordable property price

CHF 960'837

Tested property: CHF 950'000. Stress affordability ratio is 32.8%; actual estimated monthly cost is CHF 2'667.

Loan-to-value

76.8%

Hard equity check

Pass

Affordability check

Pass

What Warren would do next

•The modelled second mortgage is CHF 96'635; it must normally be amortised over 15 years.

•At this price, required equity is about CHF 190'000, including at least CHF 95'000 hard equity.

•Compare fixed and SARON mortgage scenarios, tax effects, renovation reserve, and property concentration risk.

•Prepare the bank-ready affordability view before you request mortgage offers.

Methodology: Models the common Swiss mortgage checks: maximum 80% loan-to-value, at least 10% hard equity for owner-occupied homes, affordability around one third of gross income, 5% imputed interest, 1% maintenance, and amortisation of the second mortgage to 66.7% within 15 years.

Turn estimate into action

Warren helps you capture the saving for real.

This simulator gives you a first estimate. Join early access to get a real profile, action tracking, and step-by-step guidance tailored to Switzerland when Warren launches.

Estimated affordable property price

CHF 960'837

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