By continuing to use this website, you agree to our use of cookies to offer you personalized services and content, calculate statistics on website visits, and enable you to share content on social networks. Learn more.

Be on the lookout for scammers! Never share your log-in details, bank card numbers, or PIN codes. BCV will never ask you for this information. Always double-check your payment orders (payee’s name, amount). Never install remote access software on your devices. Learn more

BCV-net and BCV Mobile will be unavailable on Saturday 08 March from 10h30 pm until Sunday 09 March 05:00 am due to server maintenance. We apologize for the inconvenience, and thank you for your patience.

Header - Mortgage loan | Renovate

Renovating your home or other property

Looking to renovate your property? We’ll work with you to find the right financing solution.

Your project, step by step

Estimate renovation costs and savings

With the renovation calculator developed by Wüest Partner, you can get an energy-efficiency report for your property in just a few clicks.

Get a renovation estimate

Plan your renovations with an energy audit

When you get a CECB® Plus audit, you can explore different renovation options that will help you cut your energy use and protect the value of your home.

Get an energy audit

Choose a construction supplier

Hire a professional to do your renovations – and make sure to check out available subsidies before you start.

Choose a supplier

Get attractive financing

Use BCV’s Green Bonus to finance your renovations under attractive conditions.

Learn more about our Green Bonus

Carry out the renovation work

Choose a general contractor, keep track of their work, and submit the completion forms to receive your subsidies.

Learn more about receiving subsidies

Your project, step by step

Estimate renovation costs and savings

With the renovation calculator developed by Wüest Partner, you can get an energy-efficiency report for your property in just a few clicks.

Get a renovation estimate

Plan your renovations with an energy audit

When you get a CECB® Plus audit, you can explore different renovation options that will help you cut your energy use and protect the value of your home.

Get an energy audit

Choose a construction supplier

Hire a professional to do your renovations – and make sure to check out available subsidies before you start.

Choose a supplier

Get attractive financing

Use BCV’s Green Bonus to finance your renovations under attractive conditions.

Learn more about our Green Bonus

Carry out the renovation work

Choose a general contractor, keep track of their work, and submit the completion forms to receive your subsidies.

Learn more about receiving subsidies

Check out our guide to energy-efficient renovations to find out everything you need to know before you get started.

Guide to energy-efficient renovations (in French)

Get a free renovation estimate

If you’re thinking about making your home more energy-efficient, the free renovation calculator developed by Wüest Partner is a great place to start.

It will suggest relevant upgrades, estimate renovation costs and energy savings, and point out subsidies and tax rebates you could receive.

Go to renovation calculator (in French)

Plan out your renovations

Before starting your renovation work, changing your heating system, or selling your home, request a CECB® Plus audit to get an eco-rating for the property.

The audit report will include up to five personalized variants for energy-saving renovations. Unlike a standard CECB® audit report, which includes only an energy assessment, CECB® Plus goes further by including concrete, personalized solutions for your home.

Thanks to BCV, you’ll get an exclusive discount of CHF 500 on your CECB® Plus audit* in addition to the cantonal subsidy.

Alternatively, if you just want to replace your heating system, check out the Chauffer Renouvelable program from SuisseEnergie.

*Offer available only for BCV clients upon presentation of the audit invoice.

Choose a CECB® auditor (in French)

Choose a construction supplier

Need help finding a tradesperson or construction company to do your renovation work? Check out this directory of local suppliers from the Fédération Vaudoise des Entrepreneurs (FVE).

Subsidies under the Swiss federal and cantonal buildings program can cover up to 30% of the cost of renovation work to improve a building’s energy efficiency. This mainly concerns roof and wall insulation, solar panel installation, and heating system replacement.

Find a construction supplier (in French)
Find out more about subsidies (in French)
Green Bonus

Get attractive financing

By renovating your house or apartment, you can preserve or increase its value, save money, and reduce CO2 emissions. Our Green Bonus loan can help finance improvements such as:

  • thermal insulation
  • total renovation
  • replacing a fossil-fuel heating system with a heat pump
  • installing or replacing wood-burning heating
  • installing solar panels
  • installing solar thermal collectors
  • upgrading windows

When you take out a BCV loan for your energy-saving renovations, you’ll pay zero interest for the first 12 months.*

*Valid for a fixed-rate mortgage loan or a Building Plus loan with a term of at least five years. At least 25% of the total loan amount (minimum CHF 20,000) must be used for energy-saving improvements eligible for federal, cantonal, and communal subsidies. This promotion cannot be combined with any other special offer for mortgage loans.

Learn more

Calculate your savings with the Green Bonus


See how much we can help you save on your renovations.

Get started (in French)

     

Découvrez combien le Bonus Vert BCV vous fait gagner

Avec un taux avantageux de 12 mois d'intérêts offerts*, la BCV vous accompagne dans le financement d'un bien immobilier ou de travaux de rénovation énergétique répondant à des critères écologiques. Réalisez en un instant votre simulation de prêt hypothécaire et estimez vos économies.
 

Votre valeur du projet en CHF
20 000
20 000 1 000 000
Avec Le Bonus Vert, vous économisez**
CHF 0
NOTRE EXEMPLE
Taux fixe à 5 ans: ...
0% d'intérêts pendans 12 mois

L'offre vous intéresse?
Prenez rendez-vous pour préparer votre projet dans les meilleures conditions!

Prendre rendez-vous

 

* La rénovation est considérée comme écologique pour les travaux de rénovation suivants, dont la question est à aborder lors de l’entretien hypothécaire: isolation thermique, rénovation complète, changement d’un système de chauffage à énergie fossile par une pompe à chaleur air/eau ou sol/air ou eau/eau, installation de panneaux solaires/photovoltaïques, installation de capteurs solaires thermiques, changement des fenêtres. Elle est prise en considération pour un prêt hypothécaire à taux fixe ou un prêt Construction Plus d’une durée minimale de cinq ans.

**Économie sur le total du coût des intérêts en regard de l'exemple donné. Cela ne constitue ni une offre ni une recommandation de souscription d’un produit hypothécaire. Les simulations de taux sont fictives. Toute décision d'acquisition ou de souscription du client ou de la cliente s'appuie donc exclusivement sur sa propre évaluation. Prenez contact avec la BCV pour déterminer la solution de taux la plus adéquate pour vous.

Carry out the renovation work

Once you have the building permit or authorization for renovation work and your subsidies have been approved, you can hire a general contractor and start the work. When it’s completed, you will need to inform the Vaud Environmental Board (Direction générale de l’environnement) by submitting the necessary form (Avis d’achèvement). This final step makes the end of the project official and means your subsidies can be paid.

Your architect or general contractor can help you submit this form.

Important: Do not start the renovation work before receiving written confirmation that your subsidies have been approved. Work that has already started, or is already finished, is not eligible for subsidies.

Buildings program (in French)
Vaud Canton’s subsidy program (in French)

Heat better, spend less

Do you still have fossil fuel or electric heating?

It’s time to upgrade! Thanks to the sustainable heating program Chauffez Renouvelable, you can get a free consultation funded by SuisseEnergie. Get non-binding expert advice to find the best sustainable heating system for your circumstances.

Calculate my heating costs (in French)
Request a free consultation (in French)
Other legal information

Please read our website and email Terms and Conditions before using our website or contacting us by email.

In principle, any information and/or documents appearing on this website that relate to financial instruments or services within the meaning of the Swiss Financial Services Act (FinSA) are considered advertising materials pursuant to this Act.

© 2002-2026 Banque Cantonale Vaudoise, all rights reserved.