MoneyPark – your local partner for property sales.

MoneyPark’s role: At MoneyPark, we support you throughout the entire sales process. We coordinate the sale with you directly and – depending on the agreement – support you with, for example, preparing the sales documentation or marketing your property.

UBS’s role: Your UBS Customer Adviser is not actively involved in the sales process, but is in contact with MoneyPark and knows what stage you are at in the sales process. Your Customer Advisor can provide support in financial matters at every step and will happily discuss how best to invest the proceeds from the sale with you. UBS can also help you terminate or transfer your mortgage.

There is no one-size-fits-all answer to this question. If your goal is to get the highest possible price for your property, demand is a major factor. The more buyers are interested in a property, the higher the potential sale price. Willingness to buy is heavily influenced by the general economic climate, the number of properties on the market and current interest rates. When it comes to viewings, summer is generally a better time to sell than winter, especially if the property has outdoor areas. Ultimately, the best time also depends on the seller’s circumstances. What matters most is allowing enough time for the sale to go through, being well prepared and, if necessary, seeking the support of experts to increase your chances of a successful sale.

In most cantons, the notary and land registry fees and the property transfer tax are split equally between the seller and buyer. As the seller, you are liable for property gains tax, although in some cases this can be deferred. Furthermore, ending an existing mortgage early may incur fees if it cannot be transferred to the buyer or a new property.

Property gains tax is levied by the canton on the profit made from selling real estate. The bigger the difference between the purchase price and sale price – and the shorter the period of ownership – the higher the tax will be. Each canton sets its own rate for this tax. In many cantons, value-enhancing investments and costs incurred when selling – such as estate agent fees, advertising costs, property transfer tax, notary fees and early repayment charges for mortgages – can be added to the purchase price, which reduces the profit margin and thereby the amount of property gains tax that is payable.

Yes, you can still sell your property even if you currently have a mortgage. However, you should contact your mortgage lender well in advance to avoid incurring any fees. If you end a mortgage prematurely, you will usually incur an early repayment charge, which can potentially amount to tens of thousands of francs. Only a few mortgage lenders waive early repayment fees in the event of a sale or charge a flat-rate fee. Where this isn’t the case, it is worth checking whether the current mortgage can be transferred to the buyer or a new property. These are two smart solutions for ending your current mortgage inexpensively when selling your property.

Whether or not it is worth carrying out renovations before selling a house depends on a number of factors. Well-thought-out renovations can increase the sale price and help to sell the house more quickly. Particularly in areas such as the kitchen, bathroom or outdoor spaces, upgrades can improve the overall impression and attract more potential buyers. However, the cost of the renovations should not exceed the expected added value. A thorough market analysis and a solid renovation plan are key to achieving good returns.

This depends largely on the circumstances. Does each spouse own an equal share of the property? Whose name is the current mortgage in? What happens to any money invested in pension funds? Seek expert advice to clarify key questions and find a mutually beneficial solution for both parties.

If you are gifting or bequeathing a house to your children, the main things to bear in mind are the legal requirements, such as statutory entitlements in the case of inheritances. Agreements must be made in writing. Gift or inheritance taxes may also apply. Any debts that may encumber the house, such as mortgages, must also be taken into account.

Working with an estate agent saves time and effort, as preparing and processing a sale is usually very time-consuming. In addition, the seller will benefit from the agent’s market knowledge and negotiation skills, which often result in obtaining better terms. Another important aspect is the legal security that an experienced estate agent provides. They will be familiar with the legal requirements and ensure that all the required documents are correct and submitted on time to avoid unanticipated complications. These comprehensive services come at a cost, with fees typically ranging from two to five per cent of the sale price. However, the expense is usually more than offset by securing the highest possible price.

Bridge financing helps to facilitate the purchase of a new property before selling the old one. It bridges the time between the two transactions. The term is usually six to twelve months. The interest rates are higher than for a normal mortgage, and the loan is repaid after selling the old property.

By involving your bank in the process from the outset, you can ensure that the mortgage and promissory note aspects are coordinated efficiently at the end of the process and the sale goes through smoothly. Your bank will also advise you on suitable investment options or possible follow-up financing.

During the sales process, you will be asked whether you are a UBS customer. Provided this is the case, you will be entitled to the discount specified.

How long it takes to sell a property depends on individual factors such as location, market demand, property type and sale price.

MoneyPark’s local real estate experts will support you throughout the whole process, so you can rest assured your property sale is in good hands.