Many property owners in Switzerland face a paradox: they own a highly valuable property, yet their bank won\u2019t grant additional<\/strong> financing. Their assets<\/strong> are substantial, but liquidity<\/strong> lags behind. This is exactly where the mezzanine loan<\/strong> comes in\u2014a flexible and smart<\/strong> financing solution from MultiCredit<\/strong>, starting at CHF 200,000<\/strong>.<\/p>\n\n\n\n A mezzanine loan<\/strong> (also called a second-lien loan<\/strong>) is financing secured by a property that is already mortgaged<\/strong>. It is aimed primarily at private owners who want to unlock part of their property\u2019s value<\/strong> without<\/strong> having to sell. In the capital stack<\/strong>, it sits between<\/strong> equity and the senior mortgage<\/strong>\u2014a financial lever<\/strong> often used for personal projects<\/strong> or quick transactions<\/strong>.<\/p>\n\n\n\n This type of financing offers unusually high flexibility<\/strong>: where the bank says no, mezzanine steps in. It enables the funding of specific undertakings<\/strong>\u2014such as purchasing a property abroad<\/strong>, buying a yacht<\/strong>, wealth investments<\/strong>, entrepreneurial projects<\/strong>, or simply a bridge loan<\/strong> until a sale or full refinancing<\/strong> is completed.<\/p>\n\n\n\n A typical case:<\/p>\n\n\n\n Your house is worth CHF 2 million<\/strong> today. The mortgage<\/strong> is CHF 700,000<\/strong>, but you want to raise CHF 250,000<\/strong> for a transaction. Your bank declines\u2014citing your age, the interest-rate environment, or revised internal policies. Nevertheless<\/strong>, your property\u2019s net value<\/strong> is CHF 1.3 million<\/strong>.<\/p>\n\n\n\n With MultiCredit\u2019s mezzanine financing<\/strong>, you can activate this idle capital<\/strong>. The loan is registered as a second-rank mortgage<\/strong>, based on a careful valuation<\/strong> of the property, clear contracts<\/strong>, and transparent terms<\/strong>. You keep your asset while obtaining the liquidity needed<\/strong> for your new project.<\/p>\n\n\n\n Rejections are not always about creditworthiness<\/strong>; they often stem from internal rules<\/strong>: the applicant\u2019s age<\/strong>, maximum loan-to-value<\/strong> limits, regulatory constraints<\/strong>, or risk policies<\/strong>. Mezzanine financing<\/strong> allows you to overcome<\/strong> these hurdles legally, in a structured and professional way<\/strong>.<\/p>\n\n\n\n Since 1999<\/strong>, MultiCredit<\/strong> has supported private clients in Switzerland with real-estate and personal financing<\/strong>. We analyse the true value of your assets<\/strong>, your liquidity needs<\/strong>, and the legal feasibility<\/strong> of the loan. Every case is handled discreetly, transparently, and efficiently<\/strong>, in line with Swiss law<\/strong> and consumer protection<\/strong>.<\/p>\n\n\n\n Our specialists advise on:<\/p>\n\n\n\n Your house<\/strong>, apartment<\/strong>, or income property<\/strong> are solid assets<\/strong>. A mezzanine loan<\/strong> turns this value into a financial lever<\/strong>, without<\/strong> upending your tax position or wealth planning.<\/p>\n\n\n\n Looking to buy a second residence abroad<\/strong>? Finance a life project<\/strong> or a transition phase<\/strong>? MultiCredit<\/strong> supports you step by step<\/strong> with tailored, discreet, and fast<\/strong> solutions.<\/p>\n\n\n\n
\n\n\n\n<\/span>What is mezzanine financing?<\/span><\/h2>\n\n\n\n
\n\n\n\n<\/span>A concrete example: turning property value into opportunity<\/span><\/h2>\n\n\n\n
\n\n\n\n<\/span>Benefits of a mezzanine loan for individuals<\/span><\/h2>\n\n\n\n
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\n\n\n\n<\/span>Why do banks often say no?<\/span><\/h2>\n\n\n\n
\n\n\n\n<\/span>MultiCredit: your partner for bespoke financing<\/span><\/h2>\n\n\n\n
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\n\n\n\n<\/span>Let your assets work for you<\/span><\/h2>\n\n\n\n
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