Conservative but pricing-strong
German, Austrian and Swiss banks underwrite carefully. The trade-off is genuine: stricter files, but pricing and certainty among the strongest in Europe for those that meet the bar.
Financing Property in Germany, Austria, Switzerland & Luxembourg
A region that often acts as both home base and destination. Independent guidance for international buyers acquiring property in Germany, Austria, Switzerland and Luxembourg — and for clients based there structuring purchases abroad from within a familiar banking culture.
Germany, Austria, Switzerland and Luxembourg combine some of the most conservative lending cultures in Europe with deep private banking infrastructure. German, Austrian and Swiss banks tend to underwrite carefully and reward well-prepared files; Luxembourg's private banks offer Lombard and structured solutions that travel well across borders. The interesting work usually sits at the intersection — using a local mortgage where it makes sense, and a portfolio-backed facility where it doesn't.
What sets this market apart
Luxembourg private banking as anchor
Luxembourg private banks act as a natural anchor for cross-border clients, with Lombard and structured facilities that travel across jurisdictions.
Currency choice (EUR / CHF)
CHF financing on a CHF asset is not a default; the choice carries real implications for refinancing, hedging and long-term exposure.
Local mortgage + portfolio combination
The more interesting structures combine a local mortgage with a portfolio-backed facility — using each where it has a genuine cost or flexibility advantage.
A detailed guide to this market is being prepared. In the meantime, we welcome a private conversation about your specific project.