Home ownership as a stable investment: Why now is the right time to buy
In times of geopolitical crises and uncertain markets, it is clear that home ownership remains one of the most reliable forms of investment in Switzerland. There are several reasons why you should no longer put off realising your dream of owning your own home.
The headlines are dominated by uncertainty: geopolitical tensions, fluctuating stock markets, rising prices. For many, the question arises as to how wealth can still be reliably safeguarded in such an environment. Whilst traditional forms of investment are reacting sharply in some cases, one asset remains remarkably stable: the family home. This is because property is, quite literally, built on solid foundations. It is tangible, enduring and unaffected by short-term market turbulence. It is precisely in uncertain times that this stability comes into focus. “Anyone investing in a home today is not only choosing a place to live, but also a stable, long-term investment with real substance,” says the experienced Bern-based estate agent Thomas Graf Various factors currently suggest that now is not the time to put off the dream of home ownership.
Stability despite global uncertainties
The Swiss property market has proved remarkably robust for years. Even during turbulent periods, price fluctuations remain comparatively moderate. This is also confirmed by the long-term trend: over the last 20 years, inflation-adjusted property prices in Switzerland have risen significantly and are among the highest in Europe. This stability is no coincidence. It is based on solid economic fundamentals, high demand and limited supply.
Positive outlook for prices and rents
The outlook is also positive: forecasts suggest that house prices will continue to rise. An increase of around 3 per cent is expected for 2026. “Now is therefore the ideal time to buy a property,” says property expert Thomas Graf. At the same time, rents are also rising; this offers an additional incentive to buy a home, as it provides long-term protection against rising housing costs.
High demand meets limited supply
A key driver of the market remains the persistently high demand for housing. Reasons for this include population growth and the rise in single-person households. At the same time, construction activity remains limited, which further reduces supply. This situation stabilises prices in the long term – a decisive advantage for property owners.
Protection against inflation
In times of rising prices, liquid assets lose value. Property, on the other hand, is one of the classic tangible assets that offer a certain degree of protection against inflation. Its prices often rise in line with, or even outpace, inflation. Anyone who invests in home ownership thus safeguards their capital against currency devaluation in the long term.
Attractive financing options
Despite occasional fluctuations in interest rates, mortgages remain attractive by historical standards. At the same time, stable interest rate expectations provide planning certainty. This is an important consideration for buyers when making long-term investments.
A high quality of life guaranteed
In addition to the financial arguments, owning your own home offers an invaluable added benefit: quality of life. You live independently, can design your own living space according to your individual preferences, and are not affected by rising rents. “A home combines security, practical benefits and long-term prospects. This makes it particularly attractive, especially in uncertain times,” explains Thomas Graf. “Buying a home at this point in time is a very sensible decision,” the property expert is convinced.
Combined property and financial expertise
The experienced property team at thomasgraf ag will be happy to provide you with personalised and comprehensive advice on home ownership – whether a flat or a detached house – or on investment properties. The established property service provider also offers an exciting selection of attractive properties for sale in both categories. thomasgraf ag is a certified member of the Swiss Chamber of Estate Agents (SMK) and will also assist you with the sale of a property – providing a personalised service that meets the highest quality standards. Thanks to thomasgraf ag’s close cooperation with the asset manager and family office service provider TRIONINVEST and the financial services provider hypolino ag , we offer you a combination of property-specific and financial expertise, many years of industry experience and a strong network.