These documents containing information about the property must be enclosed with the mortgage application. Sales documentation: the most important document. It should contain, at least, the following information: interior and exterior photos of the property description of the property (address, number of rooms/floors, balconies/terrace and parking spaces) year of construction and renovations carried out (including the year) purchase price contracting parties possible deadlines Floor plan: This gives information such as the square footage and net living space of the property, the number of rooms, ceiling height, roof shape and flooring material. This is usually provided by the selling party. Site/cadastral/zoning plan: a cadastral plan is a true-to-scale representation of land and real estate. It shows their size, usage category and location. This geodata can usually be obtained either from the municipality’s surveying office or online. The Swiss portal for public-law restrictions on landownership (PLR portal) is a good place to start. An ordinary extract is free of charge. Extract from land register : This contains descriptions of the land and rights related to the property, such as proprietorship and easements. Although the land register is publicly available, an extract must be authorized and is usually provided by the selling party or management company responsible for the property. The land register extract must not be more than six months old. Estimation of market value: If available, this will facilitate the review of the application. However, the mortgage provider will also make an independent valuation of the property to verify whether the stated value is plausible. Building insurance certificate: This mandatory insurance protects real estate from natural disasters, such as floods, hail and avalanches. Extracts can be obtained from the cantonal building insurance authorities or the property insurance provider. Energy efficiency certificate: certificates such as MINERGIE or GEAK (if available). For leasehold properties: the leasehold agreement contains information about the term of the leasehold and relevant payments.

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Q: Additional documents for a new construction or renovations

Do you intend to buy a property that hasn’t been built yet instead of an existing property? Or are you planning a renovation or conversion? Then you must also submit the following documents in addition to those listed above. Building permit Project plans and construction specifications including a cost estimate and cubic content

Q: Documents for condominium ownership

The following additional documents are usually required for condominium ownership. Utilization and management bylaws of the condominium owners’ association Condominium foundation deed with a breakdown of percentage interest Information about the renovation fund

Documents for a mortgage: checklist

Documents for a mortgage: what you need to apply

Having your documents well-organized and ready before the meeting with the mortgage advisor saves time and effort. In this article, you will find out which documents you need to apply for a mortgage.

by �۶��Ƶ Insights 07 Jul 2025

Content:

A mortgage application is reviewed to protect applicants from potential over-indebtedness.
The application provides information on both the desired property and the financial situation of the applicants.
Applicants need a copy of their ID, current proof of income and much more.
A floor plan, land register extract and other property documents also need to be submitted.
To the conclusion

You’ve found what could be your dream home and initial online calculations look positive. Now it’s time to take the next important step towards buying your own home – a meeting with a client advisor from a mortgage lender to apply for a mortgage. You want to be well-prepared for this appointment. The more complete your documentation, the fewer the follow-up questions and less complicated the process. This article gives you an overview of the documents you need to apply for a mortgage.

From a financial perspective, taking out a mortgage is a major step for a soon-to-be property owner. Quite a few people miscalculate the numbers or don’t take the matter seriously enough. To protect applicants from potential over-indebtedness, lenders in Switzerland are legally obliged to thoroughly review applications before granting a mortgage.

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Broadly speaking, a mortgage application must make two things clear: the applicant’s desired property and their financial situation. As a general rule, it’s better to include too many documents with the application rather than too few. The following explains each document in greater detail.

Client documents

Not only is the potential property evaluated, but so is the borrower. A comprehensive credit check will indicate whether they are in a position to take on the financial burdens of a mortgage.

Documents for employees

In order to fully evaluate the financial situation of the applicants, the employment relationship is also considered. A distinction is made between those who are employees and those who are self-employed.

These are the documents you need if you are an employee:

Official identification such as an ID card or passport
Copy of residence permit for foreign nationals
Current salary statements or pension payment receipts
Extract from the debt enforcement register that is no more than six months old
Composition of own funds in the form of account statements, tax returns, pension fund statements, written contracts pertaining to possible gifts / advance inheritances and any life insurance / mortality risk insurance policies
Evidence of ongoing costs arising from leasing contracts, personal loans or other financial obligations such as expenditure for a second home or alimony

Documents for self-employed individuals

Many of the documents that employees have to submit must also be provided by self-employed individuals. Additional documents are also required to prove the viability of self-employment.

Official identification such as an ID card or passport
Copy of residence permit for foreign nationals
Annual financial statements and balance sheets as well as income statements for the past three years
Extract from the commercial register
Extract from the debt enforcement register that is no more than six months old
Copy of the last tax return including all annexes
Audit report of the last three years (for a corporation)
Composition of own funds in the form of account statements, tax returns, pension fund statements, written contracts pertaining to possible gifts / advance inheritances and any life insurance / mortality risk insurance policies
Evidence of ongoing costs arising from leasing contracts, personal loans or other financial obligations such as expenditure for a second home or alimony

Property documents

These documents containing information about the property must be enclosed with the mortgage application.

Sales documentation: the most important document. It should contain, at least, the following information:
- interior and exterior photos of the property
- description of the property (address, number of rooms/floors, balconies/terrace and parking spaces)
- year of construction and renovations carried out (including the year)
- purchase price
- contracting parties
- possible deadlines
Floor plan: This gives information such as the square footage and net living space of the property, the number of rooms, ceiling height, roof shape and flooring material. This is usually provided by the selling party.

Site/cadastral/zoning plan: a cadastral plan is a true-to-scale representation of land and real estate. It shows their size, usage category and location. This geodata can usually be obtained either from the municipality’s surveying office or online. The Swiss portal for public-law restrictions on landownership (PLR portal) is a good place to start. An ordinary extract is free of charge.

Extract from land register: This contains descriptions of the land and rights related to the property, such as proprietorship and easements. Although the land register is publicly available, an extract must be authorized and is usually provided by the selling party or management company responsible for the property. The land register extract must not be more than six months old.

Estimation of market value: If available, this will facilitate the review of the application. However, the mortgage provider will also make an independent valuation of the property to verify whether the stated value is plausible.

Building insurance certificate: This mandatory insurance protects real estate from natural disasters, such as floods, hail and avalanches. Extracts can be obtained from the cantonal building insurance authorities or the property insurance provider.

Energy efficiency certificate: certificates such as MINERGIE or GEAK (if available).

For leasehold properties: the leasehold agreement contains information about the term of the leasehold and relevant payments.

Additional documents for a new construction or renovations

Documents for condominium ownership

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Once you have found your new home or property, the next step is to secure financing. This is achieved by way of a mortgage contract, which requires a wide range of documents. Make sure you know in advance which documents are relevant for your application. For example, self-employed individuals require additional documents compared to employees. Whether you want to acquire an existing property, a condominium, or a new construction also has an impact on which documents you need to provide.

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This publication is for personal information purposes only within Switzerland and is not to be understood as a recommendation, offer or solicitation of an offer for investment or other specific products and services. It is not intended to form investment, legal or tax advice and should not be used as the basis for financial decisions. Before making a decision, you should obtain professional advice.
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