Regnology, a German Regtech company, is set to acquire Wolters Kluwer's Financial Risk and Regulatory Reporting (FRR) unit.
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Switzerland's mortgage market, while showing subdued growth and increasing challenges, is witnessing a gradual shift towards digital platforms. One such player making waves is Cosmofunding, owned by Bank Vontobel, which achieved a year-over-year (YoY) growth of 9.2% in 2024, reaching CHF 11.9 billion in traded volume.
Cosmofunding, with eyes on expansion beyond the DACH region, is not the only player in the Swiss marketplace lending scene. Crowdlending, which encompasses consumer loans, business loans, and mortgage-backed loans, witnessed growth in 2024, with volumes rising 2% YoY to CHF 406.1 million.
Key Players and Market Trends
In the mortgage marketplace lending sphere, platforms like MoneyPark stand out as leading fintech mortgage brokers. MoneyPark, an intermediary between banks and private customers, provides tech-enabled mortgage and insurance advisory services. With over a decade of operations and partnerships with banks, MoneyPark helps clients navigate the complex mortgage landscape with customized offers.
Other marketplace lending platforms in the Swiss P2P and crowdfunding space are smaller but growing in niche segments. For example, Maclear offers Swiss P2P lending with attractive personal loan interest rates, indicating expanding marketplace finance options beyond traditional banks, although mainly outside the mortgage segment.
Crowdfunding activity in Switzerland has stabilized following years of decline, with mortgage and public sector loans driving record CHF 21.4 billion in marketplace lending volumes as of mid-2025, signaling growing acceptance of marketplace financing for mortgages.
Future Outlook and Growth Potential
The mortgage market faces moderation or possible stagnation due to strengthened regulations and economic headwinds such as rising refinancing costs and amortization pressures. However, marketplace lending platforms like MoneyPark are expected to continue growing, offering digitized, efficient mortgage brokerage services that combine multiple lenders’ offers, catering to demand for transparency and speed in obtaining mortgages.
The Swiss marketplace lending sector may also see further innovation and penetration in crowdfunding and P2P lending, although these currently target other credit segments more than traditional home mortgages. The ongoing transition from LIBOR to SARON rates will also shape mortgage products, potentially leading to increased transparency for borrowers.
Summary
In summary, mortgage marketplace lending in Switzerland is gradually gaining traction but remains constrained by macroeconomic and regulatory factors. Platforms like MoneyPark exhibit strong leadership, and the space is poised for steady evolution driven by digital innovation, even though overall mortgage market expansion is expected to slow.
The Swiss National Bank (SNB) cut rates by a further 25 basis points to 0% in June 2025, creating a low-inflation environment. Loanboox, active since 2016, has transacted over CHF 30 billion across 3,500 transactions since its founding. Total volumes in loans and bonds for public and near-public entities, and mid-sized and large corporations rebounded back to 2022 levels in 2024, with a year-over-year (YoY) increase of 6.2% to approximately CHF 14 billion. Total issuance on Cosmofunding since launch amounts to approximately CHF 46 billion in private placements, loans, and bonds. Persistent low rates bring challenges, such as eroded returns for savers and pressure on bank margins as loan returns decline.
- As the Swiss mortgage market gradually embraces digital platforms, businesses like Technology-driven MoneyPark are poised to grow, offering efficient mortgage brokerage services that cater to the demand for transparency and speed in banking.
- With increasing interest in marketplace finance options beyond traditional banks, entities such as Maclear, focused on Swiss P2P lending, are Significantly expanding their business, indicating a potential shift in the financial investing landscape in Switzerland.
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