Property consultancy with vision: Expertise for the entire life cycle
Migros Bank supports property owners throughout the entire life cycle of their properties - with foresight, expertise and a strong partner network. The modular advisory approach combines financing, analysis and strategy into a holistic solution.
Anyone who owns or plans to own property is familiar with many of the challenges of the market, such as preventing vacancies and setting rents in line with the market without ignoring supply and demand. This is precisely where Migros Bank comes in with its unique advisory approach, which combines economic foresight, market data and individual solutions – for owners who want more than just mortgages, but customised advice tailored to their property. The advisory approach consists of various modules that can be worked on independently of each other with the customer, depending on the situation.
Together with CSL Immobilien AG, a partner of Migros Bank, a comprehensive range of services is offered that covers the entire property life cycle. Customers benefit from property development services and professional property management. This offering is rounded off by in-depth research and market analyses of the Swiss property market, enabling owners to make informed decisions together with Migros Bank.
Comprehensive analysis tools for customised and well-founded decisions
The property dialogue allows market values, purchase prices, net rental income, yields and vacancy rates to be compared with CSL Immobilien AG’s market data. This makes it possible to assess the positioning of the customer portfolio. It is suitable for office, commercial and residential property. Analysing residential properties at the residential unit level helps to check and manage the performance of the property. The residential units are compared with the market data and analysed for size, price and opportunities. This means that the positioning of projects can be determined with customers at an early stage, existing properties can be checked for market requirements and standards and reasons for vacancies can be identified.
Analysing interest rate trends: outlook for future mortgage costs
Anyone buying a house or a condominium must also take a look into the future. Mortgage interest rates are comparatively favourable today – but what will they be in ten years’ time? Will the property still be affordable with the expected income? With the interest rate development analysis, the mortgage portfolio can be simulated 10 years into the future with various defined interest rate scenarios. These estimated interest costs can be used to directly compare possible hedging strategies, such as redeeming a mortgage or taking out a follow-up product. This enables owners to restructure their portfolio and adapt it to market expectations.
Sustainability as the key to increasing property value
For owners of older properties in particular, sustainability is an important issue that has a direct impact on the value of the property. The sustainability analysis shows the advantages of renovating properties on a sustainable basis. The CO2 emissions, energy costs and energy requirements of a property are determined and a modernisation plan is drawn up to show which refurbishment measures have a positive impact on these values. Correctly timed refurbishments are crucial to maintaining or even increasing the value of a property over its entire life cycle. It is advisable to seek expert advice before starting a refurbishment project in order to find the best and most cost-effective solutions. Refurbishment issues are challenging – especially when it comes to alternative energies. In the case of particularly old properties, it is also necessary to decide whether refurbishment is worthwhile or whether it would be better to build a new building. This decision depends on various factors, including the condition of the building, financial resources and personal preferences. In any case, it is important to have a long-term refurbishment strategy that helps to reduce costs and extend the life of the building.
A strong partnership with synergies
Migros Bank works closely with CSL-Immobilien. Both companies are operationally independent. Through this strategic partnership, CSL Real Estate benefits from nationwide expansion and access to new markets, while Migros Bank can expand its property offering in a targeted manner. Together, they cover the entire property life cycle with an extended range of services – from financing to client advice and marketing. The collaboration also creates significant synergies, particularly in the areas of consulting and financing. One concrete result is the joint development of the digital estate agent service Nextkey, which makes property sales efficient and customer-friendly. This creates a holistic offering that supports customers in all phases of the home ownership process.
Comprehensive support for property owners
Anyone who owns or is planning a property today needs more than just a financing solution. What is needed is a partner who has the entire life cycle of a property in mind. With its advisory approach, Migros Bank is positioning itself precisely in this field – as a holistic partner, not just a mortgage lender. In collaboration with CSL-Immobilien, it offers customised solutions for owners who want to develop their properties sustainably, profitably and with a view to the future. Whether market value analyses, sustainability, returns or interest rate trends: individual issues are addressed competently and with foresight using modular tools and sound market data from practice. This not only improves the quality of customers’ decisions, but also the value and future viability of their property. Migros Bank thus stands for a new kind of property advice – networked, collaborative and far-sighted.
“Anyone who owns or is planning a property today needs more than just a financing solution. What you need is a partner who has the entire life cycle of a property in mind.”
“Anyone buying a house or a condominium must also look to the future. Mortgage interest rates are comparatively favourable today – but what will they be in ten years’ time?”
Further information at: migrosbank.ch/potential
