Property Sales and Financing
Köppel-Legal AG supports private individuals, families, investors and companies with property sales, real estate brokerage, property financing and mortgage advice. We combine market assessment, financing, taxation and legal review in one comprehensive service.
Whether an owner-occupied home, condominium, investment property, apartment building or commercial property, you receive structured support from the initial analysis through to notarisation.
Property financing and mortgages
Sustainable financing takes account not only of the current interest rate, but also of the loan-to-value ratio, affordability, equity, property location and long-term objectives.
- Financing owner-occupied homes and investment properties
- Analysis of affordability, loan-to-value ratio and mortgage volume
- Fixed-rate mortgages, SARON and other models
- Mortgage renewal and optimisation of existing financing
- Tax and financial assessment
- Review of suitable conditions on the mortgage market
You can use the mortgage calculator for an initial estimate if you wish.
Property purchase and brokerage
When purchasing, we review the property, documents, market value, financing and legal framework to provide a sound basis for your decision.
- Searching for and selecting a suitable property
- Property analysis and market valuation
- Assessment of the purchase price
- Reservation agreement and purchase contract
- Contract negotiations
- Coordination with the bank, notary and other parties
Property sales
A successful sale requires a realistic valuation, a clear strategy, professional documentation and legally sound execution.
- Market value and potential analysis
- Sales strategy and sales documentation
- Listings and online presentation
- Communication with prospective buyers and viewings
- Review of prospective buyers
- Negotiations, purchase contract and notarisation
Inheritance, divorce, emigration or retirement
In special life situations, a sale raises additional legal, tax and financial questions. We coordinate multiple owners or heirs and establish a neutral basis for decision-making.
- Property held by communities of heirs
- Sale following separation or divorce
- Leaving or emigrating from Switzerland
- Retirement and converting tied-up assets into liquidity
- Planning living, pension or care costs
- Property gains tax and distribution of proceeds
Market valuation and property analysis
A realistic market-value assessment prevents unnecessary delays and financial disadvantages. We analyse the location, condition, use, property type, comparable values and cantonal market trends.
- Review of property documents
- Location, condition and use analysis
- Market value and sales potential
- Assessment of opportunities and risks
- Basis for purchase, sale or financing
Legal support
Property transactions involve purchase contracts, the land register, easements, warranties, transfer and tax consequences. We review legal risks and support the negotiations.
- Reservation agreements and purchase contracts
- Land-register extracts, easements and encumbrances
- Legal and tax risks
- Contract negotiations
- Coordination with the notary and banks
- Support through signing and notarisation
Request property advice
Would you like to buy or sell a property, review its market value or optimise a mortgage? Together, we analyse the financial and legal position and support your project professionally.