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Independent and with no ties to a bank, we unlock the dormant capital in your property, structure its financing and help you reinvest it — whether you are a private owner or the holder of an operation.
You have owned a property for years. Its value has risen, your mortgage has shrunk, and a significant part of your wealth is now locked into the walls, producing nothing.
Selling is not the only option. Properly structured, a mortgage increase lets you free up liquidity while keeping your property, to reinvest it in projects that actually work.
Indicative illustration. The amount available depends on the value, the existing debt and your financial capacity.
We review the valuation of your property and negotiate the increase of your mortgage, in strict compliance with affordability rules, to free up available liquidity.
We reassess your property at its current market value.
Financing negotiated with our network of lenders.
Your liquidity works in chosen projects, rather than lying idle.
We do not sell a single institution's product. We put a broad network of lenders in competition and negotiate the best conditions for your situation, with a single independent contact.
Situation, property, objectives: we frame your need.
We consult our network and compare the offers.
You sign the solution that is most advantageous for you.
For developers and project holders, we set up and steer the operation end to end, and orchestrate the financial and banking partners through to closing.
Legal and financial structure of the operation.
Coordination of stakeholders and due diligence.
Financing secured, operation carried through.
How it works
From the first conversation to putting the financing in place, you keep the same contact.
You present your property, your situation and your objectives, in full confidence.
We estimate the value, the capital available and your capacity, then map out the options.
We put our network in competition and negotiate the best conditions.
Signing, release of liquidity and, if you wish, a structured reinvestment.
Stone Asset SA acts as an independent adviser and intermediary. Mortgage brokerage and business introduction fall under real estate and credit intermediation. Investment advice on financial instruments and insurance intermediation are provided exclusively in collaboration with licensed partners. The information on this page is provided for guidance only and does not constitute personalised advice within the meaning of Swiss law (FinSA).
Send us a few details about your property: we call you back with a first estimate of the capital available, with no commitment.