hypomat.ch: The Digital Mortgage Expert of Glarner Kantonalbank | KreditSOS

hypomat.ch is the innovative digital platform for managing online mortgages, developed and managed by Glarner Kantonalbank (GLKB). Launched as Switzerland's first "fully online mortgage," hypomat.ch is aimed at a clientele that wants to obtain real estate financing quickly, transparently, and affordably, without the need for in-person advice at a branch. It is the ideal solution for those who are autonomous in managing their finances and are looking for a simplified and digitalized process for buying or renovating a property.

How does hypomat.ch work?

hypomat.ch is a digital extension of Glarner Kantonalbank and functions as a true "digital mortgage expert." Its strength lies in the simplicity and speed of the process:

• Simulation and Application: Through the website, you can calculate your financing capacity and simulate different mortgage options in a few minutes.

• 100% Online Process: The entire process, from application to approval, can be managed online. There is no need to visit a branch.

• Competitive Conditions: Since the process is automated and management costs are reduced, hypomat.ch can offer very competitive interest rates compared to traditional channels.

• Transparency: Interest rates and conditions are always clear and visible, allowing you to make an informed decision.

hypomat.ch's Mortgage Offers

hypomat.ch focuses on a standardized mortgage offering, ideal for those seeking direct and uncomplicated solutions. The main offer includes:

• Fixed-rate mortgage (Festhypothek): Offers security and stability, with interest rates guaranteed for the entire duration of the contract (from 2 to 20 years).

• Rollover mortgage: Based on the SARON reference rate, with the possibility of converting the mortgage to a fixed-rate mortgage at the end of the rollover period (from 2 to 5 years).

• Variable-rate mortgage (Variable Hypothek): The most flexible option, without a fixed term, which adapts to fluctuations in the money market. 

hypomat.ch stands out for its efficiency: the preliminary decision can arrive in real-time, and the entire approval process is much faster than that of a traditional bank. 

Here you can find more details on hypomat.ch's mortgages and compare them with other options.

hypomat.ch's Current and Savings Account Offers

GLKB offers different types of current and savings accounts to meet the needs of individuals and businesses. Its current accounts are ideal for daily money management and come with all modern features, such as QR-bill payments and access to the e-banking service and mobile app. Savings accounts, on the other hand, are designed to make capital grow with competitive interest rates, also offering the protection guaranteed by a cantonal bank.

Advantages and Disadvantages of hypomat.ch

To help you make an informed choice, here is a summary of the main pros and cons of relying on hypomat.ch:

Advantages:

• Competitive interest rates: The reduced costs of the digital process result in advantageous interest rates for the client.

• Entirely online process: Mortgage management is simple and fast, conveniently from home.

• Transparency: All conditions are clear and visible.

• Reliability: Being a product of Glarner Kantonalbank, it enjoys the solidity and stability of a Swiss cantonal bank.

• Speed: The credit decision is much faster than traditional banking channels.

Disadvantages:

• Limited advice: It does not offer the same personal and in-depth advice that can be received at a branch. It is designed for autonomous clients.

• Standardized offering: The offer focuses on standard mortgage solutions and may not be suitable for complex or particular cases.

• Mortgage focus: hypomat.ch does not offer other banking services such as current accounts, savings, or cards. For these services, you need to turn to Glarner Kantonalbank or other banks.

Contacting hypomat.ch: how to reach hypomat.ch's customer service

For assistance, hypomat.ch refers to the support team of Glarner Kantonalbank.

• Phone: 0844 858 858 (Monday to Friday)

• Email: Through the contact form on hypomat.ch's official website.

• Online Chat and WhatsApp: Digital communication channels are available for quick support.

hypomat.ch Headquarters and Addresses

hypomat.ch is a digital product and does not have its own physical locations. Management and support are provided by Glarner Kantonalbank.

• Main Headquarters (Glarner Kantonalbank): Glarner Kantonalbank, Hauptstrasse 21, 8750 Glarus, Switzerland

• Operations: The service is managed entirely online, so there are no branches to visit for mortgage management.