Strike Advisory

What Strike Advisory is

Strike Advisory is a mortgage brokerage based in Lausanne that specializes in connecting property buyers and owners with financing. The firm works directly with over 80 partner banks and other financial institutions to source competitive rates and terms. A mortgage broker differs from a single-bank advisor: rather than pre-selecting a lender, Strike presents options from its entire network, allowing you to choose the terms that fit your situation rather than taking what one institution offers. The firm's broader positioning extends beyond mortgages into taxation optimization and pension planning for high-net-worth clients, making it relevant not just for purchase transactions but for long-term financial strategy around property ownership.

What it does for someone arriving

A new resident buying property in Switzerland faces a sequence of unfamiliar hurdles. You need a mortgage, but most Swiss banks require a Swiss residence or at minimum substantial local ties, and even those able to lend may quote only one rate. Strike handles the friction: the firm presents tailored offers from multiple lenders in one conversation, saving the back-and-forth of shopping banks individually. Their affordability calculator (described on the site as "estimate your purchasing capacity") lets you enter your gross annual household income and capital available, then returns an immediate figure for what you can borrow. This is especially useful if you are still working on establishing residency, since an adviser can explain what kind of documentation different banks will need and prepare you accordingly.

The site describes their process in three phases: a free first appointment to understand your situation and goals, a second meeting presenting "tailored" financing strategy with rates, and a third phase where Strike "takes care of everything" including coordination with the real estate agent, notary, and banks during closing. Available Monday to Friday from 8:30 am to 12 pm and 1 pm to 5:30 pm (CET/CEST), they can be reached by phone at +41 21 561 35 55 or by email. The firm does not publish hourly rates or commissions on the site; they disclose costs in the initial consultation.

For an arrival without Swiss tax history or banking relationships, this brokerage approach avoids the inefficiency of approaching 15 banks separately. Strike's team includes advisers with credentials such as the Federal Diploma of Financial Planner (IAF) across multiple regions including Neuchâtel, Lausanne, Kloten, Martigny, and Geneva. They are available Monday to Friday, 8:30 a.m. to 12 p.m. and 1 p.m. to 5:30 p.m. (CET/CEST), reachable at +41 21 561 35 55 or via email.

What the firm offers

Strike's core business is acquisition mortgages (purchase) and renewal mortgages (refinancing an expiring loan). Beyond mortgages, the site lists pension planning and taxation as additional advisory areas. For mortgages specifically, they display current rates from SARON (the Swiss Average Rate Overnight, now the standard variable reference rate), fixed terms of 5 and 10 years, and mention other fixed terms available. The site shows sample rates: 5-year fixed at 1.32 percent and 10-year fixed at 1.47 percent, described as "best rates monitored daily with our 80+ partners". The presence of multiple rate products, fixed terms of different lengths, variable SARON, and traditional variable rates, means the firm can explain the trade-offs of each model and what makes sense for your timeline and risk tolerance.

Strike publishes customer testimonials and detailed case studies. The testimonials point to responsiveness and professional handling of complex situations, with one noting an adviser's "commitment to getting us a good financing outcome" even when initial applications failed. The longer case studies describe clients by situation rather than name and are worth examining closely: one shows a high-income couple able to optimize their equity contribution; another describes a retired pair managing a mortgage renewal despite limited income, where the broker's intervention made the difference; a third shows applicants initially refused financing by their own bank, who then secured a 15-year fixed rate of 2.7 percent through Strike. The savings documented in case studies ranged from CHF 2,000 to CHF 9,700 depending on the mortgage size and the rates available. These are not testimonial hyperbole but worked examples with named rates and amounts.

The firm's team appears on the site with named advisers, their locations, and their credentials. The visible roster includes members with the designation IAF (Fédération Suisse des Experts Agréés en Finance), the Federal Diploma of Financial Planner, with offices in Neuchâtel, Lausanne, Kloten, Martigny, and Geneva. The breadth of locations is worth noting for someone considering whether the firm has local familiarity with your canton's market. Languages offered include English, French, and German; the site itself operates in all three languages.

What remains unanswered

The site publishes no price list and no examples of typical total costs (mortgage insurance, appraisal fees, notary, broker commission). It states the first appointment is "free and without obligation" but does not specify whether subsequent consultation, negotiation, or closing support incurs fees or at what point fees apply. A new resident needs to understand whether you're charged per-transaction, as a percentage of the mortgage, or on some other basis, and the site does not settle this. Likewise, the site does not detail processing timelines, most Swiss mortgages take 2 to 4 weeks from application to funds, but the coordination role might extend that, or whether the firm holds any professional licenses or insurance beyond the IAF credentials listed for individuals. Brokers are not universally regulated in Switzerland the way they are in some EU countries, so understanding the firm's oversight and any dispute-resolution mechanism would be natural questions to ask in that first free appointment.

How the broker model works

The three-phase model is worth understanding before your first call. In the initial appointment, the adviser gathers documents: proof of income (payslips, tax returns), details of capital available for deposit, information about the property you're buying or refinancing, and personal circumstances (employment status, partner's income, dependents, existing debts). From this, they sketch your borrowing capacity and identify which banks are most likely to lend to your profile. The second phase involves presenting multiple offers from different lenders, along with a recommendation on which rate product, fixed, SARON, or variable, fits your situation. This is when the value of having 80+ partner relationships shows: you're not choosing between the two products one bank offers, but genuinely selecting from a wider set. The third phase is administrative: Strike coordinates paperwork flows between you, the real estate agent, the notary, and the chosen bank or insurance company. The coordination matters because the chain is sequential, you cannot get mortgage funds without the property transfer, and the notary cannot transfer until the mortgage is in place, so a broker who keeps all parties moving in sync saves frustration and time.

Who it suits

Strike's emphasis on free, non-binding consultations and on matching multiple rates makes it suited to someone comparing options rather than committing to a bank immediately. The presence of advisers in several cantons (Neuchâtel, Vaud, Zurich, Geneva) suggests the firm can serve arrivals anywhere in Switzerland, not just Lausanne, though they may specialize in western and central regions. The case studies show they handle both straightforward purchases and more complex situations: someone with a prior mortgage denial, a retired couple balancing fixed income against property ownership, high-earners optimizing tax position. The firm is not suited to someone already committed to a specific bank or lender, or to someone seeking only a single option rather than comparison shopping. The IAF credentials and focus on taxation suggest value for self-employed and high-net-worth newcomers in particular. If you are buying with a non-Swiss spouse, or your income is seasonal or drawn from multiple countries, the broker model allows you to present your actual situation to multiple lenders and see who is willing to work with you, rather than being turned down by your bank of choice and then scrambling to find alternatives.