Mortgage refinance calculator

Estimate your potential savings in a few clicks and optimise your mortgage with Swiss precision.

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Why simulate your refinance?

Significant savings

Reduce your payments by taking advantage of current Swiss market conditions, often more favourable than your historical rates.

Stronger protection

Lock in a long-term fixed rate to stabilise your budget against future market moves.

Save time

Our comparison engine synthesises offers from a broad partner network in seconds.

Expertise and transparency

How does the calculator work?

The calculator analyses your data (income, property value, existing debt) and compares it to indicative terms from our partners to estimate your leeway.

Swiss calculation rules

Ready to optimise your mortgage?

How does our mortgage calculator work?

Our Swiss mortgage calculator lets you estimate your borrowing capacity in seconds. Simply enter the market value of the property, your gross annual income and the mortgage amount you need. Our algorithm instantly compares offers from our financial partners and shows you the best available rates — fixed-rate, SARON or variable mortgage.

The key rules for getting a mortgage in Switzerland

Two fundamental rules apply when obtaining a mortgage in Switzerland:

  • Equity requirement: you must have a minimum of 20% of the property value as equity, of which at least 10% must come from your own funds (savings, pillar 3a or a gift) — not from your pension fund (2nd pillar). For holiday homes, the minimum is 33%.
  • Affordability rule: total costs (calculated at a theoretical rate of 5%, plus amortisation and maintenance) must not exceed 33% of your gross annual income. Our calculator applies these criteria automatically.

Fixed-rate, SARON or variable mortgage: which to choose?

  • Fixed-rate mortgage (2 to 25 years): the rate is locked for the entire term. Ideal for borrowers who want to plan long-term and protect against rate increases. With current rates from 0.89% (2 years), conditions are historically attractive.
  • SARON (Swiss Average Rate Overnight): a variable rate linked to the Swiss money market. Currently the most competitive option with margins from 0.75%, as the SNB benchmark rate sits at 0%. Subject to fluctuation depending on SNB decisions.
  • Variable mortgage: no fixed term, cancelable with 3–6 months' notice. Maximum flexibility, but typically carries a higher rate.

Why compare mortgage rates in Switzerland?

Mortgage rates vary significantly between institutions. On a CHF 800,000 mortgage over 10 years, a difference of 0.2% represents savings of CHF 16,000. RealAdvisor Finance gives you real-time access to offers from our banking partners — without having to contact each one individually.

Our service is 100% free and non-binding. You only receive a personalised offer if you request one.

Frequently asked questions about our mortgage calculator

Does the calculator take into account my pension fund (2nd pillar) and pillar 3a?

Our calculator estimates your loan-to-value ratio based on your income and mortgage amount. For a comprehensive analysis including your pension fund and pillar 3a optimisation, we recommend requesting a personalised consultation with one of our advisors.

Are the rates displayed guaranteed?

The rates shown are the best indicative conditions offered by our financial partners. Your individual rate may vary depending on your loan-to-value ratio, affordability, mortgage volume and property location. A binding offer is provided after full review of your file.

How long does it take to receive a mortgage offer?

After submitting your request, you typically receive initial offers from our partners within 24 to 48 hours. The full process — from simulation to signing — takes an average of 2 to 4 weeks.