We structure and place mortgage-backed and asset-backed securities for banks, insurers and institutional investors across Switzerland and Europe.
SH Schweizer Hypotheken AG is a specialised securitisation platform based in Switzerland. We work exclusively with institutional counterparties — banks, insurers and qualified portfolio holders on the origination side.
On the investor side: pension funds, asset managers and family offices seeking collateralised, predictable exposure to European real assets.
We securitise mortgage and receivables portfolios from EUR 20 million upwards. Balance sheet relief, release of regulatory capital, access to alternative funding channels beyond traditional bank lending.
Access to mortgage-backed and asset-backed securities with collateralised, predictable cash flows. Senior and junior tranches structured to individual risk-return mandates.
Bespoke structures for complex asset classes. Optimisation of capital costs within the regulatory frameworks of Swiss and EU law.
Conversion of illiquid real assets into tradable securities. Asset-Co / Fin-Co segregation, bondholder representatives, security agents — bankruptcy-remote structures based on LMA standards.
Senior and junior tranche issuance to institutional investors. End-to-end execution from structuring through documentation to placement.
Advisory on regulatory requirements — Basel IV, Solvency II, FinSA. Balance sheet optimisation, refinancing architectures, collateral monitoring.
LMA-based loan agreements, prospectus documentation under FinSA Art. 52, STS-compliant EU securitisations. Full compliance with transparency and risk retention requirements.
NDA-based communication, SPV-protected anonymity, bilateral structures without public issuance for mandates requiring elevated confidentiality.
The real asset remains with the client. SH structures a bankruptcy-remote Fin-Co which grants a loan to the Asset-Co and refinances through the capital market.