Mortgage
Renovation mortgage
Finance your renovations: insulation, kitchen, bathroom, roof. Up to 80% LTV.
Renovation mortgage funds property improvements: insulation, solar, extension, kitchen/bathroom redo. Often a top-up on existing mortgage. Energy work may qualify for green rates (Minergie).
Green mortgage
0.1-0.4% rate cut for certified energy work.
Cantonal subsidies
Polia lists subsidies available per canton.
FAQ
- Maximum amount?
- Limited to 80% of post-renovation value. Bank re-appraises.
- Processing time?
- 4-8 weeks with full file (quotes, photos, cantonal permit if needed).