Taux Radar · rates as of 24 October 2026, 07:17
10-year fixed mortgage rate in Switzerland
A 10-year fixed rate stays the same for a decade: budget visibility is its main strength. Depending on the period, this term costs more or less than short ones: that gap, or term premium, is what Taux Radar measures every day. Here are today’s average, the published range and the gap with SARON and the other terms.
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10-year fixed rate over time
Daily averages of published rates since tracking began on 3 June 2026.
- 1 month−0.06 pt
- 3 monthsStable
- Since 3 June 2026+0.14 pt
Show month-end values
| Date | Average rate |
|---|---|
| 24 October 2026 | 1.96 % |
| 30 September 2026 | 2.10 % |
| 31 August 2026 | 1.86 % |
| 31 July 2026 | 1.91 % |
| 30 June 2026 | 1.70 % |
10-year fixed rate by type of lender
Averages of the rates published at the latest survey, by group of institutions. An average is shown only when it covers at least three institutions. No institution is named.
| Type of lender | Average rate |
|---|---|
| Cantonal banks | 2.04 % |
| Large and online banks | 1.97 % |
| Insurers and pension funds | 1.82 % |
| Whole market | 1.96 % |
10-year fixed, SARON and other terms
What fixing for a shorter or longer term costs on average, at the latest survey.
- SARON1.08 %
- 2-year fixed1.57 %
- 5-year fixed1.78 %
- 10-year fixed1.96 %
- 15-year fixed2.05 %
Fixing for 10 years currently costs 0.88 pt more than SARON on average. The 10-year fixed rate averages 0.18 pt above the 5-year fixed rate.
Example of interest cost
On a mortgage of 800’000 CHF, the average of 1.96 % represents 15’680 CHF in interest per year, or 1’307 CHF per month.
Depending on the published rate, from 13’360 CHF to 17’200 CHF per year.
Illustrative example, interest only, excluding amortisation. Your rate will depend on your application.
Who is a 10-year fixed rate for?
Ten years suits households who want to know exactly what their mortgage will cost: a recent purchase, a tight budget, a plan to stay in the property for a long time. Your rate is known in advance for the whole period.
The price of that visibility: if the market moves, you stay at the rate you fixed, and leaving before maturity (sale, refinancing) can trigger an early repayment charge that weighs more when the remaining term is long.
- An interest cost known in advance, useful for planning your budget over 10 years.
- The lender tests affordability at a notional rate of 5%, whatever rate you fix: costs must not exceed one third of gross income.
- Leaving before 10 years needs thought: have the charge quantified before you sign.
Frequently asked questions
What is the 10-year fixed mortgage rate in Switzerland today?
On 24 October 2026, published 10-year fixed rates average 1.96 %, ranging from 1.67 % to 2.15 %. These figures are indicative and updated daily. Your own rate will depend on your application.
Why fix a mortgage for 10 years?
To know your interest for 10 years and protect yourself against rising rates. In return, you do not benefit from a possible fall before maturity. Nobody can predict how rates will move, so it is mainly a choice of visibility.
Is a 10-year fixed rate always more expensive than a 5-year one?
Not always. Fixing for longer often costs a little more, but the gap varies over time and can even reverse. Taux Radar shows today’s gap on this page.
What happens if rates fall after I sign?
Your rate stays at the level you fixed until maturity. You can leave earlier, but the lender may charge an early repayment fee, which you should have quantified before any decision.
Indicative, non-binding figures, taken from the rates published by Swiss institutions. They are neither a financing offer nor personalised advice. The rate you are offered depends on your application and on the lender’s agreement. Taux Radar methodology