Taux Radar · rates as of 24 October 2026, 07:17
15-year fixed mortgage rate in Switzerland
The 15-year fixed rate is the longest term that Taux Radar tracks. Fewer institutions publish it: the choice is narrower and the average rests on a smaller panel than for the other terms. Here are today’s average, the published range and the gap with SARON and shorter terms.
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15-year fixed rate over time
The history builds up day by day.
15-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 | 2.13 % |
| Large and online banks | 2.12 % |
| Insurers and pension funds | 1.86 % |
| Whole market | 2.05 % |
15-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 15 years currently costs 0.97 pt more than SARON on average. The 15-year fixed rate averages 0.09 pt above the 10-year fixed rate.
Example of interest cost
On a mortgage of 800’000 CHF, the average of 2.05 % represents 16’400 CHF in interest per year, or 1’367 CHF per month.
Depending on the published rate, from 14’480 CHF to 18’400 CHF per year.
Illustrative example, interest only, excluding amortisation. Your rate will depend on your application.
Who is a 15-year fixed rate for?
Fifteen years is for a long, stable horizon: a primary residence where you plan to stay, a family whose needs stretch across the period. Think of it as a life project rather than a bet on rates: how long will you keep the property?
Because the choice is narrower, not every lender offers this term, or to every application: an advisor can tell you which ones do. It also matches the amortisation horizon of the second-rank mortgage, to be amortised within 15 years at most for a primary residence.
- An early repayment charge that can be high on a sale or refinancing, because the remaining term is long.
- A narrower choice: fewer institutions publish this rate, and today’s average rests on a smaller panel.
- A term to match with your life project: a move, a separation or a change of situation before 15 years makes leaving more costly.
Frequently asked questions
What is the 15-year fixed mortgage rate in Switzerland today?
On 24 October 2026, published 15-year fixed rates average 2.05 %, ranging from 1.81 % to 2.30 %. These figures are indicative and updated daily. Your own rate will depend on your application.
Why does the 15-year average rest on fewer institutions?
Not every lender offers this term or publishes it. Taux Radar shows an average only when at least three institutions publish it.
What does leaving a 15-year fixed mortgage early cost?
The longer the remaining term, the higher the early repayment charge can be. It depends on your contract and on the gap between your rate and market rates when you leave. Have it quantified before you sign.
Which life project suits a 15-year fixed rate?
A stable one: staying in the property, a family settling in, a budget to smooth over the long term. If a sale, a move or a change of situation is possible within 15 years, a shorter term or a split into tranches is worth discussing with an advisor.
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