Switzerland’s real estate market is admired for its stability, breathtaking scenery, and long-term wealth preservation.
But buying property in Switzerland as a foreigner requires navigating specific legal restrictions, tax obligations, and regional regulations.
This guide walks you through every critical aspect of buying property in Switzerland in 2025 – from Lex Koller compliance and location selection to financing and tax planning.
Foreigners can buy property in Switzerland, but strict limitations apply under Swiss property law – specifically the Lex Koller law.
Your ability to purchase depends on your nationality, residency status, and the property’s intended use.
If you hold a B or C residence permit, you’re allowed to buy primary residences without restrictions. Holiday homes are subject to additional controls.
If you’re not an EU/EFTA citizen or don’t have a Swiss residence permit, you’re typically restricted to purchasing a designated holiday home. You cannot use it as a primary residence or rent it long-term.
Foreigners generally cannot buy property for pure investment or rental purposes. Swiss property law limits these purchases to safeguard housing availability for residents.
Switzerland offers diverse real estate opportunities, each tailored to different lifestyle preferences and legal allowances.
Swiss property transactions come with a combination of upfront and recurring costs.
Foreigners can obtain Swiss mortgages but face more stringent requirements.
High-net-worth buyers often use Swiss holding companies or trusts for ownership.
Early structuring can mitigate cross-border inheritance issues and optimise estate planning.
Understanding Swiss bilateral tax treaties with your home country is essential to avoid double taxation.
| Pros | Cons |
|---|---|
| Strong currency (CHF) | Strict regulations under Lex Koller |
| Safe-haven investment in geopolitical uncertainty | High transaction costs |
| Limited housing supply leads to long-term value retention | Limited rental yields for foreigners |
| High living standards and quality of life | Difficult to find high-LTV financing |
Yes, but only if the property is in a designated holiday zone and you obtain Lex Koller approval.
Annual property and wealth taxes combined range between 0.5% and 1.5% depending on total net wealth.
Short-term holiday lets are possible in some cantons. Long-term rentals usually not allowed for non-residents.
Passport, proof of income, financing documentation, residence permit (if applicable).
Not required but recommended for facilitating transactions and managing ongoing property costs.
A Wealth Manager can:
Disclaimer: Tax laws, rates, and reliefs are subject to change and may vary depending on individual circumstances and residency status. Any information provided on this website is based on our understanding of current regulations (or the date of when the content was published) and should not be considered personalised financial or tax advice. As tax obligations can differ across regions, countries and evolve over time, we strongly recommend seeking professional advice tailored to your specific situation before making any financial decisions.
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