Swiss mortgage rates
A daily overview of the Swiss mortgage market.
| Institution | Request an offer | |
|---|---|---|
key4 by UBSNeobank | 1.21% | |
Banque du LémanCantonal bank | 1.35% | |
SwissquoteNeobank | 1.35% | |
SwissLifeInsurer | 1.40% | |
Crédit Agricole next bankMajor bank | 1.42% | |
VaudoiseInsurer | 1.43% | |
GeneraliInsurer | 1.50% | |
Appenzeller KantonalbankCantonal bank | 1.55% | |
PostFinanceMajor bank | 1.58% | |
AXAInsurer | 1.61% | |
Migros BankNeobank | 1.69% | |
Bank ClerMajor bank | 1.77% | |
BâloiseInsurer | 1.77% | |
Luzerner KantonalbankCantonal bank | 1.79% | |
Zürcher KantonalbankCantonal bank | 1.79% | |
Banque Cantonale de GenèveCantonal bank | 1.80% | |
ValiantMajor bank | 1.80% | |
Banque Cantonale VaudoiseCantonal bank | 1.84% |
Best rate per term
Indicative, non-binding rates, they vary with your file and your situation. A firm offer requires a personalised analysis.
Request an offerFixed rate or SARON: how to choose
A fixed rate guarantees a stable monthly payment over the chosen term, from 2 to 15 years. It suits households that value predictability and want protection against a rise.
SARON follows the Swiss money market. It is often cheaper at the start but varies over time and requires some tolerance for fluctuations. The right choice depends on your horizon, affordability and risk appetite.
How we compile this comparison
The rates shown are collected every day directly from the institutions (cantonal banks, major banks, insurers and neobanks). The update date appears above the table.
These rates are indicative and non-binding. The rate you are actually offered depends on your file (equity, income, property) and requires a personalised analysis.
When to consider refinancing
It is worth reviewing your mortgage twelve to twenty-four months before maturity, when your situation changes, or when market conditions shift.
An independent advisor can compare your situation across the whole market and support you through to signing, with no commitment.
Frequently asked questions
- What are the current mortgage rates in Switzerland?
- Our radar compares fixed rates (2 to 15 years) and SARON from 40+ Swiss banks and insurers every day. The best 5-year fixed rates start around 1.2%.
- What is the difference between a fixed rate and SARON?
- A fixed rate guarantees a stable monthly payment for the chosen term. SARON is a variable reference rate, often lower but fluctuating with the money market.
- Are these rates guaranteed?
- No: they are indicative and non-binding. The rate you are actually offered depends on your file (equity, income, property) and requires a personalised analysis.
- How often are the rates updated?
- Automatically every day, based on the information published by the institutions.