Many property owners in Switzerland face a paradox: they own a highly valuable property, yet their bank won’t grant additional financing. Their assets are substantial, but liquidity lags behind. This is exactly where the mezzanine loan comes in—a flexible and smart financing solution from MultiCredit, starting at CHF 200,000.
What is mezzanine financing?
A mezzanine loan (also called a second-lien loan) is financing secured by a property that is already mortgaged. It is aimed primarily at private owners who want to unlock part of their property’s value without having to sell. In the capital stack, it sits between equity and the senior mortgage—a financial lever often used for personal projects or quick transactions.
This type of financing offers unusually high flexibility: where the bank says no, mezzanine steps in. It enables the funding of specific undertakings—such as purchasing a property abroad, buying a yacht, wealth investments, entrepreneurial projects, or simply a bridge loan until a sale or full refinancing is completed.
A concrete example: turning property value into opportunity
A typical case:
Your house is worth CHF 2 million today. The mortgage is CHF 700,000, but you want to raise CHF 250,000 for a transaction. Your bank declines—citing your age, the interest-rate environment, or revised internal policies. Nevertheless, your property’s net value is CHF 1.3 million.
With MultiCredit’s mezzanine financing, you can activate this idle capital. The loan is registered as a second-rank mortgage, based on a careful valuation of the property, clear contracts, and transparent terms. You keep your asset while obtaining the liquidity needed for your new project.
Benefits of a mezzanine loan for individuals
- No sale of the property: you remain the owner while mobilising the latent value of your assets.
- Flexible use: finance a personal project, second home, renovation, asset acquisition, or transitional needs (bridging).
- Fast decisions & personal support: MultiCredit assesses individually, without typical banking bureaucracy.
- Flexible amounts from CHF 200,000, with terms and conditions tailored to your profile and project.
- Wide range of collateral: residential property, villas, condominiums (PPE), investment properties, and, where appropriate, build-ready land.
Why do banks often say no?
Rejections are not always about creditworthiness; they often stem from internal rules: the applicant’s age, maximum loan-to-value limits, regulatory constraints, or risk policies. Mezzanine financing allows you to overcome these hurdles legally, in a structured and professional way.
MultiCredit: your partner for bespoke financing
Since 1999, MultiCredit has supported private clients in Switzerland with real-estate and personal financing. We analyse the true value of your assets, your liquidity needs, and the legal feasibility of the loan. Every case is handled discreetly, transparently, and efficiently, in line with Swiss law and consumer protection.
Our specialists advise on:
- Repayment / refinancing of an existing loan,
- Mezzanine loans secured by your property,
- Bridge loans ahead of a sale,
- Top-up financing for private or investment projects.
Let your assets work for you
Your house, apartment, or income property are solid assets. A mezzanine loan turns this value into a financial lever, without upending your tax position or wealth planning.
Looking to buy a second residence abroad? Finance a life project or a transition phase? MultiCredit supports you step by step with tailored, discreet, and fast solutions.
MultiCredit – Your Swiss partner for private financing since 1999
📞 Contact us for a confidential review of your situation.
An article by Munur Aslan, Director of Multicredit.
