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Swiss Life mortgage rates

5.2 / 6

Comparis Rating

Here you'll find information on the mortgages and rates offered by Swiss Life. Mortgage rates are updated daily.

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Swiss Life mortgage types

Term
3 to 25 years

Amount
Minimum amount per tranche CHF 100’000, total mortgage of at least CHF 250’000

Amortisation

  • Indirectly possible via pillar 3a or 3b pension savings

  • The 2nd mortgage (loan-to-value above 66.66%) must be amortised within 15 years or by the statutory retirement age.

Termination

  • Terminable at the end of the term

  • With the conclusion of the «Option Flex», Swiss Life waives the early repayment penalty in the event of a property sale. Exceptions include, in particular, sales within the family and relatives (details according to the mortgage contract).

  • If no waiver of the early repayment penalty applies, it will be calculated individually.

Information

  • Fixed interest rate for the entire term.

  • Precise budgeting of interest charges over the entire term.

  • No additional burden in the event of rising market interest rates.

  • No interest gain in the event of falling market interest rates.

  • Several tranches of at least CHF 100’000 possible over different terms

  • The interest rate can be fixed up to 18 months before disbursement

Term
3 or 5 years

Amount

  • Minimum amount per tranche CHF 100’000, total mortgage of at least CHF 334’000.

  • Max. 30% of the total mortgage as Saron mortgage.

Amortisation

  • Indirectly possible via pillar 3a or 3b pension savings.

  • The 2nd mortgage (loan-to-value above 66.66%) must be amortised within 15 years or by the statutory retirement age.

Termination

  • Terminable at the end of the term.

  • With the conclusion of the «Option Flex», Swiss Life waives the early repayment penalty in the event of a property sale. Exceptions include, in particular, sales within the family and relatives (details according to the mortgage contract).

  • If no waiver of the early repayment penalty applies, it will be calculated individually.

Information

  • The base rate is aligned with the Saron (Swiss Average Rate Overnight).

  • Choice between 3 or 5 years

  • Flexible product switch to a fixed-rate mortgage with the same or longer term of the framework agreement

  • Interest payment only possible via LSV

Term
No fixed term

Amount
No minimum amount per tranche, total mortgage of at least CHF 250’000

Amortisation

  • Directly and/or indirectly possible via pillar 3a pension savings.

  • The 2nd mortgage (loan-to-value above 66.66%) must be amortised within 15 years or by the statutory retirement age.

Termination
Terminable at any time with 3 months’ notice

Information

  • High flexibility due to variable term.

  • The interest rate is periodically adjusted to the market.

  • Interest gain in the event of falling market interest rates.

  • Conversion to another mortgage product possible at any time

  • Repayment possible at any time subject to the notice period.

Discount models of Swiss Life

Term
3 to 25 years

Amount
Minimum amount per tranche CHF 100’000, total mortgage of at least CHF 250’000.

Amortisation

  • Indirectly possible via pillar 3a or 3b pension savings.

  • The 2nd mortgage (loan-to-value above 66.66%) must be amortised within 15 years or by the statutory retirement age.

Termination

  • Terminable at the end of the term.

  • With the conclusion of the «Option Flex», Swiss Life waives the early repayment penalty in the event of a property sale. Exceptions include, in particular, sales within the family and relatives (details according to the mortgage contract).

  • If no waiver of the early repayment penalty applies, it will be calculated individually.

Information

  • The green fixed-rate mortgage is a special model from Swiss Life that takes ecological aspects into account.

  • To benefit from the green fixed-rate mortgage, the following requirements apply to properties not older than 12 months: a MINERGIE® (MINERGIE®, MINERGIE®-P/A or -Eco) certificate or a GEAK® certificate Level A or B. For properties older than 12 months, the following requirements apply: a MINERGIE® (MINERGIE®, MINERGIE®-P/A or -Eco) certificate or a GEAK® certificate Level A, B or C.

  • Properties that do not meet these conditions can also benefit from a green mortgage, provided that energy-efficient renovations are planned (proof by GEAK® Plus certificate). The measures must be implemented within 24 months and proven with an updated GEAK® certificate.

  • The green fixed-rate mortgage cannot be combined with the Option Complete.

Term
3 to 5 years

Amount

  • Minimum amount per tranche CHF 100’000, total mortgage of at least CHF 334’000.

  • Max. 30% of the total mortgage as Saron mortgage.

Amortisation

  • Indirectly possible via pillar 3a or 3b pension savings.

  • The 2nd mortgage (loan-to-value above 66.66%) must be amortised within 15 years or by the statutory retirement age.

Termination

  • Terminable at the end of the term.

  • With the conclusion of the «Option Flex», Swiss Life waives the early repayment penalty in the event of a property sale. Exceptions include, in particular, sales within the family and relatives (details according to the mortgage contract).

  • If no waiver of the early repayment penalty applies, it will be calculated individually.

Information

  • The green Saron mortgage is a special model from Swiss Life that takes ecological aspects into account.

  • The base rate is aligned with Saron (Swiss Average Rate Overnight).

  • To benefit from the green Saron mortgage, the following requirements apply to properties not older than 12 months: a MINERGIE® (MINERGIE®, MINERGIE®-P/A or -Eco) certificate or a GEAK® certificate Level A or B. For properties older than 12 months, the following requirements apply: a MINERGIE® (MINERGIE®, MINERGIE®-P/A or -Eco) certificate or a GEAK® certificate Level A, B or C.

  • Properties that do not meet these conditions can also benefit from a green mortgage, provided that energy-efficient renovations are planned (proof by GEAK® Plus certificate). The measures must be implemented within 24 months and proven with an updated GEAK® certificate.

  • Flexible product switch to a fixed-rate mortgage with a longer term.

  • Interest payment only possible via LSV.

  • The green Saron mortgage cannot be combined with the Option Complete.

Term
3 to 25 years

Amount

  • Minimum amount per tranche CHF 100’000, total mortgage of at least CHF 250’000.

  • Swiss Life customers who have selected the Option Complete in the Swiss Life FlexSave Uno/Duo savings insurance or in the Swiss Life Dynamic Elements Uno/Duo or Swiss Life Immo Elements Uno/Duo savings and risk insurance are offered the following discounts on fixed-rate mortgages: term up to 9 years: 0.05% p.a.; term from 10 years: 0.10% p.a.; maximum discounted mortgage amount: CHF 350’000.

Amortisation
Indirectly possible via pillar 3a or 3b pension savings

Termination

  • Terminable at the end of the term

  • Swiss Life waives the early repayment penalty in the event of a property sale. Exceptions include, in particular, sales within the family and relatives (details according to the mortgage contract).

  • If no waiver of the early repayment penalty applies, it will be calculated individually.

Information

  • The Option Complete can be integrated when concluding a Swiss Life Dynamic Elements, Swiss Life Immo Elements or Swiss Life FlexSave savings and risk insurance. It enables an increase in risk coverage in the event of changing life circumstances and includes preferential conditions for Swiss Life fixed-rate mortgages

  • Fixed interest rate for the entire term.

  • Precise budgeting of interest charges over the entire term.

  • No additional burden in the event of rising market interest rates.

  • No interest gain in the event of falling market interest rates.

  • Several tranches of at least CHF 100’000 possible over different terms.

  • The interest rate can be fixed up to 18 months before disbursement or extension.

  • Option Complete cannot be combined with a green mortgage.

Comparis rating for Swiss Life

The Comparis rating is determined on the basis of verified customer ratings for Swiss Life. The data is taken from the most recent customer satisfaction survey conducted by Comparis.

5.2 / 6

Comparis Rating

Source: comparis.ch

Value for money

5.4 / 6

Performance: quality and service

5.0 / 6

Information, communication and transparency

5.1 / 6

Convenience of touchpoints and contacts

5.1 / 6

Overall satisfaction

5.2 / 6

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The interest rates displayed above are those provided by the lenders. Information correct as at: 04.06.2025