With the CredEx platform, the investment manager gets direct access to the Swiss mortgage market, meaning there is no longer an intermediary such as an investment foundation or a mortgage fund. With the best price and white-labeling principle, the allocation is automated and any possible bias is removed from the system. This helps to reduce costs by half and thus increase the net return. At the same time, this also allows a complete customisation of the risk profile, which can be adapted to the needs of the investment manager at any time. The volume targets become controllable and plannable.
Together with the attractive interest rates and the nominal value principle, an optimised risk-return profile can be achieved via the CredEx platform. With the option of precisely parameterizing the target portfolios, the existing risk and credit policy can be adopted one-to-one. Examples of parameterization include duration, rating (probability of default), loan-to-value ratio (loss given default), mortgage size and geographical diversification. Regular insights into market positioning provided by Credit Exchange also allow the investment manager to regularly improve its portfolio criteria and, accordingly, the results.
The investment manager does not have to worry about servicing the mortgages in any way, as this is handled entirely via the CredEx platform together with partners. The white-labeling also allows contact with the borrower to be reduced to practically zero.
Multiple mandates can be set up and different target portfolios can be managed dynamically. For example, the investment manager can select long terms with low risks for his own pension fund and medium-term terms only for urban areas with mixed risks for life insurance. Dynamic allocation keys are also available for internally competing offers on the marketplace.
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