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@maxamir Another comment from me - NOT financial. I moved to the rural place outside of Zurich three years ago, have one child with my husband. Personally, I 90% love it, and we still go into Zurich lots (theatre, opera, gigs, friends) because it is well connected on public transport. It's 45...

@ryantheirish 2nd home = expect to pay a lot more deposit. Bank required 40% deposit from us.

@prayingwife2015 Don't change too many things at once in your life. The answer is not at the end of a spreadsheet. Enjoy your home and see how you feel in a year - life circumstances may have changed.

@natsu I have regularly seen properties on Homes Under the Hammer guided in their 30s and then going for 120K+. Happened also to a friend of mine recently on a property at a guide price of 50K, it went for 200.

@onewayjesus You are spot on - what does OP want? There is a huge lack of clarity in this regard. Also: don't buy the first house you see. Take some time. You know in all your hearts when it is a yes house.

@ryantheirish When I bought a second property, the bank wanted at least 40% as a downpayment. Perhaps another bank would be more flexible.

@maxamir Firstly, well done on saving 300K on a 210 income with kids in Zurich. Anyway: If you want to buy a non-primary residence, you will need to put in at least 35%, probably 40% as deposit. Hence, 150K deposit gets you a place max 400K. Unless you want a garage in Zurich, this will not...

@harliee57 The problem with this is that you are apart from your family, children and grandchildren. My mother in law moved back to Switzerland for just this reason.

@jaz2001 I would start by asking what they want. For many people, this is surprisingly hard to define. You can't solve a problem that you have not defined well, so I would start there. Then they can start to figure out what is important - regular income, lump sum, tax situation etc.