Find your ideal home or investment in Geneva

Yes, depending on your nationality, residence and permit. C permit holders and EU/EFTA nationals resident in Switzerland can generally buy freely, including for investment. Non-EU/EFTA B permit holders may usually buy only a primary residence they occupy themselves. Foreign nationals living abroad are subject to Lex Koller, and Geneva does not permit holiday-home purchases. We verify your eligibility before starting the search.

Budget around 4% of the purchase price for transfer duty, notarial fees and Land Register costs. A new mortgage certificate may bring the total to approximately 5–6%. These costs are paid from your own funds, on top of the equity required by your bank. Ongoing expenses include maintenance, condominium charges, insurance and property-related taxes.

The search may take a few weeks to several months, depending on your criteria and budget. Once your offer is accepted, allow around two to three months for financing, document checks and preparation of the deed. You become the legal owner when the transfer is entered in the Land Register.

For a primary residence, banks typically require at least 20% equity. At least 10% must come from sources other than your second-pillar pension. Theoretical housing costs must also stay below about one-third of your gross income. Investment properties generally require at least 25% equity, while second homes often require around 40%.

Some of Geneva’s most desirable properties never appear on public portals. With more than 15 years of local experience, our network gives you access to selected private opportunities. Share your preferred property type, neighbourhood and budget with us. We will identify suitable options and guide you through viewings, negotiation and signing.