Save on your mortgage refinance with today’s low rates.
Optimise your home loan and lower your payments with current Swiss market conditions, supported by accredited advisors.
- No commitment
- Confidential data
Typical saving seen
320 CHF / month
Our best offers right now
Benefit from competitive Swiss market rates
2 ans
5 ans
10 ans
SARON
Indicative rates, non-binding. Your final rate depends on your profile, the property, available offers and market conditions.
Property value and optimisation
Over time your property gains value. A higher market value lowers your loan-to-value (LTV) and can unlock better terms or liquidity.
Leverage effect
A lower LTV strengthens your negotiating position.
Why refinance now?
Historically low rates
Use current conditions to reduce the cost of your debt.
Fund your projects
Renovation, additional purchase or inheritance: use your property’s value without having to sell.
Long-term certainty
Lock in rates for 10 or 15 years to limit exposure to rises.
Estimate your savings instantly
Up to 24 000 CHF in savings over 10 years when refinancing at the right time.
Calculate my savingsFree, confidential and non-binding
Is your mortgage maturing in the next 12 months?
Plan ahead: compare market offers before the last minute. Online or with an accredited advisor.
Request an offerObserved rates remain attractive versus recent averages.
Everything you need to know about mortgage refinancing in Switzerland
Did you know?
In Switzerland, more than 60% of homeowners renegotiate their mortgage with their current bank and accept the first rate offered. However, a simple comparison of mortgage rates can save you between 5,000 and 15,000 CHF per year.
When to refinance your real estate loan?
Anticipate your renewal to avoid being forced by your deadline. The ideal time to renegotiate is between 3 and 6 months before the end of your contract, but the best opportunities are prepared up to 18 months in advance. By starting early, you maintain complete freedom of choice and maximize your chances of getting a better rate.
The advantages of mortgage refinancing
Significant savings
A reduction of only 0.25% on a 500,000 CHF loan represents a saving of 1,250 CHF per year, or 12,500 CHF over 10 years.
Better protection
Renewing your mortgage allows you to adapt the duration and type of loan to your current situation and market forecasts.
How to compare mortgage rates in Switzerland?
Comparing mortgage rates requires considering several factors:
- The nominal interest rate : This is the base rate offered by the bank
- Processing fees : Some banks charge fees during refinancing
- The loan duration : Rates vary depending on whether you choose a 2, 5, 10 or 15-year mortgage
- Early repayment conditions : Important if you plan to sell your property
- Amortization options : Direct, indirect or mixed
RealAdvisor Finance: Your partner for successful refinancing
Thanks to our network of partners and our expertise in the Swiss mortgage market, we negotiate the best refinancing conditions for you. Our team of experts analyzes your file and accompanies you at every step of the process.
Frequently asked questions
Need personalised advice?
First meeting at no cost and without obligation.