Marco Patera
Spécialiste en financement immobilier
Vaud, Geneva
🇫🇷 FR🇮🇹 IT
HypothèquesFinancement immobilier+1
Canton of Geneva
Mortgage rates in the canton of Geneva
Compare market rates and find the best conditions for your property project in the canton of Geneva.
Rates updated daily
Our best mortgage rates
Benefit from the most competitive rates on the Swiss market
Variable
SARON
from 0.77%
Fixed
2 years
from 1.33%
Fixed
5 years
from 1.51%
Fixed
10 years
from 1.66%
Indicative rates subject to change based on your profile and project
Financing your property in the canton of Geneva
Geneva is one of Switzerland's tightest property markets, combining high prices with strong demand. A well-negotiated mortgage makes a real difference to your total financing cost.
Don’t limit yourself to your usual bank
The best conditions don’t always come from your usual bank. Banks, insurers and pension funds show different rates depending on your profile. Comparing several lenders remains the surest way to optimise the total cost of your mortgage.
Purchase costs in the canton of Geneva
Illustrative example: for a primary residence bought for 1’000’000 CHF with a mortgage of 800’000 CHF, purchase costs in the canton of Geneva come to about 28’450 CHF, or 2.8 % of the price.
| Deed of sale (transfer tax, land registry, notary) | 17’878 CHF |
|---|---|
| of which transfer tax | 9’076 CHF |
| Mortgage certificate (creating a lien of 800’000 CHF) | 10’572 CHF |
| Total purchase costs | 28’450 CHF |
- Cantonal relief for a primary residence already deducted, subject to its conditions: 20’924 CHF.
- Cantonal scale as of 2026: the notary confirms the exact amount.
- These costs are paid from liquid equity, never from the second pillar.
Mortgage advisors in the canton of Geneva
A verified advisor reviews your situation, compares lenders and secures conditions suited to your profile.
Maxime Colignon
Conseiller financier - Immobilier & Prévoyance
Geneva, Vaud
🇫🇷 FR
HypothèquesFinancement immobilier+2
Célia Cat-Blondeau
Conseillère financière - Immobilier & Prévoyance
Geneva
🇫🇷 FR
HypothèquesFinancement immobilier+2
Nelson Freire
Conseiller financier
Geneva, Fribourg, Valais
🇫🇷 FR🇵🇹 PT🇬🇧 EN
HypothèquesFinancement immobilier
Jean-Luc Kringel
Spécialiste en prévoyance
Geneva, Vaud, Valais
🇫🇷 FR
HypothèquesConseil patrimonial+5
Laure Oger
Conseillère financière - Immobilier & Prévoyance
Vaud, Geneva
🇬🇧 EN🇫🇷 FR
HypothèquesFinancement immobilier+2
FAQ about rates in the canton of Geneva
Are mortgage rates different in the canton of Geneva?
Lenders set their rate sheets nationally, but the conditions borrowers actually obtain vary from one region to another: local supply (cantonal bank, insurers, pension funds), competition between lenders and your profile all shape the final rate. Taux Radar publishes Swiss market averages; a local advisor helps you see where your offer stands.
Should you go to your usual bank for a mortgage in the canton of Geneva?
Going only to your usual bank is common, but not always the most competitive option. Banks, insurers and pension funds offer different conditions: comparing several lenders is the surest way to the best offer.
How to get the best mortgage rate in the canton of Geneva?
Prepare a solid file (equity, income, amortisation), compare several lenders, and work with a local advisor. The first consultation is at no cost and without obligation.
How much are purchase costs in the canton of Geneva?
For a 1’000’000 CHF primary residence with a mortgage of 800’000 CHF, expect about 28’450 CHF in purchase costs in the canton of Geneva (2.8 % of the price): transfer tax, land registry, notary and mortgage certificate. These costs are paid from liquid equity. The notary confirms the exact amount.