Market average
2 yrs1.44 %
3 yrs1.52 %
5 yrs1.65 %
10 yrs1.90 %
15 yrs2.08 %
Updated today at 04:33
Mortgage rates in Switzerland today
Compare indicative rates from 21 institutions. Your final rate depends on your application and the financed property.
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Market at a glance
1.65 %
Average 5-year fixed rate
Stable since the last reading
Indicative data, updated daily
Average SARON
1.08 %
Market average
2-year fixed
1.44 %
Market average
5-year fixed
1.65 %
Market average
10-year fixed
1.90 %
Market average
Compare institutions
21 institutions · Updated on 09.09.2026 à 04:33stable since the last reading
The actual rate depends on the lender, your application, your profile and the property. Submit an online request for a tailored estimate.
Online request| Institution | |||||
|---|---|---|---|---|---|
Market average21 institutions | 1.44 % | 1.52 % | 1.65 % | 1.90 % | 2.08 % |
| — | 1.27 % | 1.41 % | 1.65 % | 1.79 % | |
| 1.23 % | 1.33 % | 1.44 % | 1.73 % | 1.89 % | |
| 1.15 % | 1.30 % | 1.45 % | 1.74 % | — | |
BVKPension fund | 1.26 % | 1.32 % | 1.45 % | 1.67 % | — |
Banque du LémanMajor bank | 1.22 % | 1.33 % | 1.46 % | — | 2.16 % |
SwissLifeInsurer | — | 1.42 % | 1.47 % | 1.62 % | 1.83 % |
Crédit Agricole next bankMajor bank | — | 1.35 % | 1.53 % | 1.80 % | — |
PostFinanceMajor bank | 1.25 % | 1.40 % | 1.56 % | 1.80 % | 1.94 % |
GeneraliInsurer | 1.29 % | 1.39 % | 1.56 % | 1.78 % | — |
AXAInsurer | 1.57 % | 1.56 % | 1.58 % | 1.66 % | 1.99 % |
Appenzeller KantonalbankCantonal bank | 1.40 % | 1.50 % | 1.65 % | 1.90 % | — |
Migros BankMajor bank | 1.45 % | 1.56 % | 1.75 % | 2.03 % | — |
Graubündner KantonalbankCantonal bank | 1.50 % | 1.62 % | 1.76 % | 2.02 % | 2.22 % |
Zuger KantonalbankCantonal bank | 1.53 % | 1.63 % | 1.76 % | 2.00 % | — |
Luzerner KantonalbankCantonal bank | 1.51 % | 1.65 % | 1.80 % | 2.07 % | — |
Bank ClerMajor bank | 1.56 % | 1.66 % | 1.81 % | 2.09 % | 2.40 % |
BâloiseInsurer | 1.52 % | 1.67 % | 1.82 % | 2.09 % | — |
Banque Cantonale de GenèveCantonal bank | 1.57 % | 1.67 % | 1.85 % | 2.09 % | 2.23 % |
St.Galler KantonalbankCantonal bank | 1.60 % | 1.70 % | 1.85 % | 2.10 % | — |
ValiantMajor bank | 1.62 % | 1.78 % | 1.86 % | 2.13 % | — |
Zürcher KantonalbankCantonal bank | 1.63 % | 1.73 % | 1.86 % | 2.09 % | 2.35 % |
2 yrs—
3 yrs1.27 %
5 yrs1.41 %
10 yrs1.65 %
15 yrs1.79 %
2 yrs1.23 %
3 yrs1.33 %
5 yrs1.44 %
10 yrs1.73 %
15 yrs1.89 %
2 yrs1.15 %
3 yrs1.30 %
5 yrs1.45 %
10 yrs1.74 %
15 yrs—
BVK
Pension fund
2 yrs1.26 %
3 yrs1.32 %
5 yrs1.45 %
10 yrs1.67 %
15 yrs—
Banque du Léman
Major bank
2 yrs1.22 %
3 yrs1.33 %
5 yrs1.46 %
10 yrs—
15 yrs2.16 %
SwissLife
Insurer
2 yrs—
3 yrs1.42 %
5 yrs1.47 %
10 yrs1.62 %
15 yrs1.83 %
Crédit Agricole next bank
Major bank
2 yrs—
3 yrs1.35 %
5 yrs1.53 %
10 yrs1.80 %
15 yrs—
PostFinance
Major bank
2 yrs1.25 %
3 yrs1.40 %
5 yrs1.56 %
10 yrs1.80 %
15 yrs1.94 %
Generali
Insurer
2 yrs1.29 %
3 yrs1.39 %
5 yrs1.56 %
10 yrs1.78 %
15 yrs—
AXA
Insurer
2 yrs1.57 %
3 yrs1.56 %
5 yrs1.58 %
10 yrs1.66 %
15 yrs1.99 %
Appenzeller Kantonalbank
Cantonal bank
2 yrs1.40 %
3 yrs1.50 %
5 yrs1.65 %
10 yrs1.90 %
15 yrs—
Migros Bank
Major bank
2 yrs1.45 %
3 yrs1.56 %
5 yrs1.75 %
10 yrs2.03 %
15 yrs—
Graubündner Kantonalbank
Cantonal bank
2 yrs1.50 %
3 yrs1.62 %
5 yrs1.76 %
10 yrs2.02 %
15 yrs2.22 %
Zuger Kantonalbank
Cantonal bank
2 yrs1.53 %
3 yrs1.63 %
5 yrs1.76 %
10 yrs2.00 %
15 yrs—
Luzerner Kantonalbank
Cantonal bank
2 yrs1.51 %
3 yrs1.65 %
5 yrs1.80 %
10 yrs2.07 %
15 yrs—
Bank Cler
Major bank
2 yrs1.56 %
3 yrs1.66 %
5 yrs1.81 %
10 yrs2.09 %
15 yrs2.40 %
Bâloise
Insurer
2 yrs1.52 %
3 yrs1.67 %
5 yrs1.82 %
10 yrs2.09 %
15 yrs—
Banque Cantonale de Genève
Cantonal bank
2 yrs1.57 %
3 yrs1.67 %
5 yrs1.85 %
10 yrs2.09 %
15 yrs2.23 %
St.Galler Kantonalbank
Cantonal bank
2 yrs1.60 %
3 yrs1.70 %
5 yrs1.85 %
10 yrs2.10 %
15 yrs—
Valiant
Major bank
2 yrs1.62 %
3 yrs1.78 %
5 yrs1.86 %
10 yrs2.13 %
15 yrs—
Zürcher Kantonalbank
Cantonal bank
2 yrs1.63 %
3 yrs1.73 %
5 yrs1.86 %
10 yrs2.09 %
15 yrs2.35 %
Indicative, non-binding rates, they vary with your file and your situation. A firm offer requires a personalised analysis.
Online requestHypoScore
85
What is your file worth to a lender?
Your profile, your property and your financing form a file. Place yourself in two minutes and see what you can negotiate.
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How do we calculate the market average?
Consistent, current and comparable data to understand the market before your application is reviewed.
Tracked panel
21 Swiss institutions: banks, insurers and other lenders publishing mortgage rates.
Calculation method
Arithmetic average of indicative rates published for the same product and term. This is not a personalised offer.
Collection frequency
Automatic daily collection. Data older than 7 days is excluded from the calculation.
Understand rates before choosing
Fixed 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.
Getting a Swiss mortgage as an expat
Swiss mortgage rates do not depend on your nationality. B and C permit holders living in Switzerland can access the same products as Swiss citizens, including SARON and long-term fixed rates, sometimes with slightly stricter lending criteria.
The differences for expats lie in the documentation (foreign income, vesting benefits, taxation at source) and in how each bank assesses it. Criteria vary widely between institutions, which makes comparing lenders especially worthwhile.
Our network includes English-speaking independent advisors who guide expats through the whole process. The first consultation is at no cost.
Frequently asked questions
What are the current mortgage rates in Switzerland?
Our radar compares fixed rates (2 to 15 years) and SARON from leading Swiss banks and insurers every day. The best rates of the day, across all terms, are shown in the comparison above.
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.
Can I get a Swiss mortgage with a B permit?
Yes. Most Swiss banks lend to B-permit holders who live and pay taxes in Switzerland, sometimes with slightly stricter criteria. C-permit holders are generally treated like Swiss citizens.
How much deposit do I need to buy property in Switzerland as an expat?
At least 20% of the purchase price, of which a minimum of 10% must come from your own liquid funds (cash or third pillar). Ongoing costs must not exceed roughly one third of your gross income at a theoretical rate of 5%.
Can non-residents buy property in Switzerland?
Purchases by non-residents are restricted by the Lex Koller. Buying a primary residence requires Swiss residency, while holiday homes are limited to specific quotas. If you are relocating to Switzerland, financing your future primary residence is usually straightforward.