Hypoplus user reviews

Have you ever used mortgage broker Hypoplus? Were you satisfied with the results? Would you recommend Hypoplus?

You can compare mortgages from Swiss lenders and request free quotes using the unbiased mortgage comparison on moneyland.ch.

I wanted to see if anyone on the forum has experience with Hypoplus. Can you really get better mortgage rates using these mortgage brokers than you can on your own?

Hello

My opinion: You can get the same, worse, but possibly also better interest rates by bargaining yourself that you can by using brokers.

It really depends on your situation, your bargaining tactics, the bank you are dealing with etc.

K-Geld published an interesting article (3/2017) about mortgage brokers, including Hypoplus.

In three tests based on different use cases, Hypoplus received the worst rating from one test, average ratings from another, and the best ratings from the third test. Moneypark was average, Vermögenspartner Winterthur got the best rating twice.

It’s hard to draw any conclusion from those tests, but it does show one thing: There is not likely one broker which has the best deals in every case. One real benefit of brokers is that they do the work for you.

Alternatively, have brokers give you their best quotes AND also bargain with lenders directly. The only problem is that some brokers charge you when you have them find you an offer but then don’t end up using their mortgage offer.

I would also recommend that you ALWAYS compare quotes with online mortgages (the interest rates for these are not normally negotiable). If you find a cheaper online mortgage, use it as a bargaining chip with brokers – or just get the online mortgage.

Hypoplus granted us access to institutional investors who do not want business-to-customer activity or initial contacts with debtors. Some asset managers such as pension funds or investment foundations with attractive offers do not want to deal with sales and customer acquisition aspects and can only be reached through intermediaries. 

I strongly recommend that you invest enough time to request numerous quotes: The amounts involved and the duration of this decision will certainly make the few hours spent analyzing/comparing the loan the most fruitful of your life. In fact, you will save thousands of francs based on a careful preparation of the loan, which will by far justify the few laborious and unentertaining hours spent on applying for it.

We were satisfied with the result, but it will depend on the market situation, availability of institutional lenders and your personal situation, so compare offers from intermediaries and from direct contacts with banks and insurances, and select the best for you.

I’ve never used Hypoplus myself, but a mate of mine worked with Strike Advisory and had an amazing experience. He’s in the process of buying his first place in Switzerland, and his mortgage broker has been absolutely key in guiding him through everything—amortisation, renovation costs, using his second pillar, and all the little details that can make or break a property deal.

Personally, I think the real value of a mortgage broker lies more in the personalised advice you get rather than just securing the lowest interest rate—though, of course, having someone who knows the best deals currently available on the market and what actually suits your situation is a huge plus.