Hans Peter Maechler
Mortgage Specialiste
Zug, Lucerne, Basel-City, Basel-Country, Zurich
🇩🇪 DE🇬🇧 EN
HypothèquesFinancement immobilier+2
Canton of Zurich
Mortgage rates in the canton of Zurich
Compare market rates and find the best conditions for your property project in the canton of Zurich.
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 Zurich
Zurich is Switzerland's largest and most expensive market. At these amounts, comparing several lenders rather than only your usual bank is the surest way to good conditions.
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 Zurich
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 Zurich come to about 3’981 CHF, or 0.4 % of the price.
| Deed of sale (transfer tax, land registry, notary) | 2’081 CHF |
|---|---|
| of which transfer tax | 0 CHF |
| Mortgage certificate (creating a lien of 800’000 CHF) | 1’900 CHF |
| Total purchase costs | 3’981 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 Zurich
A verified advisor reviews your situation, compares lenders and secures conditions suited to your profile.
FAQ about rates in the canton of Zurich
Are mortgage rates different in the canton of Zurich?
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 Zurich?
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 Zurich?
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 Zurich?
For a 1’000’000 CHF primary residence with a mortgage of 800’000 CHF, expect about 3’981 CHF in purchase costs in the canton of Zurich (0.4 % of the price): transfer tax, land registry, notary and mortgage certificate. These costs are paid from liquid equity. The notary confirms the exact amount.