SF Conseils Immo

A mortgage broker with expertise in energy efficiency and sustainable properties

SF Conseils Immo is a real estate financing and energy efficiency consulting firm based in Neuchâtel. The business was founded in 2018 by Stefano Di Grazia, and in 2024 Michele Calabrese joined as co-managing partner. Both partners combine mortgage brokerage expertise with CECB (Cantonal Energy Certificate for Buildings) certification and renewable energy advising. For arriving residents purchasing property, SF Conseils offers not only traditional mortgage financing but also guidance on energy efficiency upgrades and sustainability, with implications for long-term property value and operating costs. This integrated approach is relatively rare; most mortgage brokers focus purely on the loan, while energy consultants work independently.

Buying property involves financing and property condition

For someone relocating and purchasing real estate, SF Conseils addresses two interconnected needs: securing a mortgage and understanding the property's energy efficiency status. The site states: "A low energy consumption allows you to save money long-term, but also contributes to maintaining the value of real estate properties. Additionally, there are many state supports in the form of subsidies." This positioning frames energy efficiency not as environmental virtue-signaling but as financial practicality: an energy-efficient building costs less to operate, maintains value better during resale, and qualifies for government subsidies.

The firm emphasizes a personalized approach: "Our expertise: specialists in real estate financing, we structure each assembly according to your assets, revenues and tax situation." The assembly metaphor suggests construction of a financing package specifically for the individual, not application of a standard template. The site describes comprehensive accompaniment: "Primary residence, rental investment, mortgage renewal, construction and renovation: LPP, 2nd pillar and 3rd pillar amortization optimized to reduce total cost over the loan duration." This range covers most scenarios an arriving resident might face: purchasing a home, optimizing existing mortgages, and handling retirement-related decisions around property.

The integration of energy efficiency into the mortgage conversation is the key differentiator. A buyer can learn, in one consultation, both what mortgage they qualify for and whether the property is efficient or would benefit from upgrades. This saves research time and ensures the financing strategy accounts for energy retrofit costs if needed.

Current rates, services, and firm profile

SF Conseils publishes current mortgage rates (as of August 31, 2026): SARON at 0.87%, 3-year fixed at 1.27%, 5-year fixed at 1.39%, and 10-year fixed at 1.59%. The site notes these rates are "provided indicatively according to the best possible solvency for properties for personal use and energy-efficient (sustainability certificates required)". The caveat about energy efficiency is notable: better rates may be available for efficient buildings, suggesting the firm uses energy standards as a loan-structuring tool.

The firm lists seven client advantages: no fees for the client, broad partner network, energy subsidies available, best market conditions, significant time savings, notarial support, and independence from partners. A single contact point is emphasized. The phrase "energy subsidies available" deserves attention: does the firm help identify subsidies, apply for them, or coordinate with cantonal agencies? The site does not explain, but it suggests that subsidy optimization is part of the service.

Stefano Di Grazia's background includes a 2006 Master's degree in economics (University of Neuchâtel), CAS training in renewable energy (2018, through HEIG-VD and UNINE), prior role as a sub-director at UBS (until 2017), and CECB expert designation (2021). His resumé shows formal credentials in both finance and energy. He has been teaching real estate economics and sustainable development since 2018, suggesting public engagement and expertise refinement. Michele Calabrese brings experience from 1991-2011 in various departments at Banque Cler, including mortgage client management and fund authority designation, followed by roles at DL Moneypark (2011-2020 as branch manager in Neuchâtel, then 2021-2022 as regional manager for Romandie) before joining SF Conseils in 2024.

The combined background suggests deep experience in traditional banking (Banque Cler, UBS) and brokerage (DL Moneypark was a major Swiss brokerage). Both partners have specialized knowledge: Stefano in energy and sustainability, Michele in client management and regional operations. Together they cover mortgage expertise and energy optimization.

The firm serves French-speaking Switzerland (Suisse Romande). The site is available in French only. Contact information: phone +41 32 754 32 20 (Stefano Di Grazia) or +41 32 754 32 15 (Michele Calabrese), with mobile numbers and email addresses listed for direct outreach. The direct contact details suggest a smaller firm where partners handle client calls personally.

What remains unspecified

SF Conseils does not publish a fee structure or explain how it is compensated beyond the "no client fees" claim. The site does not specify which banks and insurance companies comprise its "broad partner network" or quantify how many lenders it works with. The site does not detail processing timelines, required documentation, or approval steps. While listing seven advantages, it does not explain what the "energy subsidies available" service entails: does the firm identify available subsidies, complete applications, or coordinate with cantonal authorities? Without specifics, the reader cannot assess how much work the firm will do.

The site offers no testimonials, ratings, case studies, or named examples of financed properties. The firm does not detail how the energy-efficiency focus differs from a standard mortgage broker, whether all clients need CECB evaluation, or what happens if a property is not "energy efficient" (per the rates qualifier). It does not explain whether the firm handles investment properties and rental returns optimization, or if it focuses on owner-occupied homes. The site does not clarify what percentage of the firm's work is mortgage brokerage versus energy consulting, or whether one partner handles energy while the other handles financing.

Who this serves

SF Conseils suits property buyers in French-speaking Switzerland who want integrated advice on both financing and energy efficiency. Someone purchasing an older property considering renovations would benefit from a broker who understands how upgrades affect mortgage terms and subsidy eligibility. The team's experience in both traditional mortgage banking (UBS, Banque Cler, DL Moneypark) and renewable energy gives credibility with environmentally conscious buyers. First-time buyers and people unfamiliar with CECB requirements or energy subsidies find value in one consultant handling both dimensions.

The service does not suit someone seeking low-cost comparison shopping without advisory overhead, or purely mortgage-focused guidance disconnected from property efficiency. Someone purchasing a modern, already-efficient property might find the energy expertise unnecessary. A buyer seeking a large network of lender options will not find the partner count published on the site, making it hard to assess breadth of access compared to competitors.