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ÃÛ¶¹ÊÓƵ key4 mortgages is a digital mortgage platform for institutional investors. You will gain access to selected mortgage loans in Switzerland – for owner-occupied real estate and investment properties.

ÃÛ¶¹ÊÓƵ handles the credit check, processing and management throughout the entire term. As an investor, you benefit from a fully digitized process, high transparency and professional servicing.

For owner-occupied real estate: you define once which interest rates, terms and investment amounts you want to offer. The platform automatically matches you with suitable financing requests. This allows you to invest efficiently in many smaller mortgages without having to check each request individually. This automated solution is ideal for broad diversification with minimal effort.

For investment properties: you receive verified financing requests from ÃÛ¶¹ÊÓƵ for larger, income-oriented properties. For each request, you decide for yourself whether you want to submit an offer – including interest rate, term and investment amount. This model gives you full control over each individual investment and is particularly suitable if you want to finance specific properties.

The innovative multi-lender model – available for owner-occupied real estate – makes it possible to split mortgages among multiple investors. This increases flexibility for borrowers and improves diversification opportunities for investors. At the same time, the likelihood of a successful closing increases. ÃÛ¶¹ÊÓƵ remains the sole contractual partner for investors and borrowers throughout the entire term of to the loan.

As an investor, you benefit from ÃÛ¶¹ÊÓƵ’s extensive market expertise and years of experience in the mortgage business. For both types of properties (owner-occupied real estate and investment properties), ÃÛ¶¹ÊÓƵ reviews the property and the financing request according to strict ÃÛ¶¹ÊÓƵ guidelines. If your offer is accepted, ÃÛ¶¹ÊÓƵ will manage the mortgage for the entire term, including managing the mortgage certificates and monitoring interest and amortization payments. ÃÛ¶¹ÊÓƵ is the central point of contact and intermediary between investors and borrowers.

For financing owner-occupied residential property: the check is automated based on established ÃÛ¶¹ÊÓƵ guidelines. Property and creditworthiness data are analyzed with system support to enable a quick, comprehensible and risk-appropriate decision. ÃÛ¶¹ÊÓƵ is involved in every financing and also acts as an investor itself – this increases quality and creates additional trust.

Financing of investment properties: as these financings are generally more complex, the review is carried out manually by experienced ÃÛ¶¹ÊÓƵ real estate and credit experts. The property, use and financial situation of the borrower are analyzed in detail. As an investor, you receive a complete dossier for your own review and decide individually whether you wish to submit an offer.

ÃÛ¶¹ÊÓƵ takes over the complete loan servicing for all financings. This includes the administration of the mortgage certificates, the ongoing monitoring of payment flows and communication with the borrowers. As an investor, you receive complete transparency throughout the entire term and are relieved of operational tasks.

You will receive a detailed report every month with an overview of your loan portfolio. Among other things, it includes information on the payment behavior of borrowers, servicing activities and – in the case of investment properties – historical best prices on the platform.