Compare mortgage interest rates in Switzerland now
Compare current interest rates of more than 30 mortgage providers for such as a 10-year fix.
Lender | Interest rate from |
|---|---|
| Lowest interest rates via comparis.ch | 1.42% |
| UBS key4 mortgages | 1.54% |
| Aargauische Pensionskasse | 1.55% |
| Generali | 1.56% |
| St.Galler Pensionskasse | 1.57% |
| Vaudoise Insurances | 1.59% |
| Post pension fund | 1.60% |
| Banque du Léman | 1.62% |
| BVK | 1.62% |
| Swiss Life | 1.68% |
| AVANTAGESERVICE.CH | 1.70% |
| CA next bank | 1.71% |
| Swissquote Bank | 1.71% |
| AXA | 1.75% |
| Migros Bank | 1.77% |
| Appenzeller Kantonalbank | 1.80% |
| Bank EKI Cooperative | 1.80% |
| PostFinance | 1.82% |
| BPS (Suisse) | 1.90% |
| Hypothekarbank Lenzburg | 1.90% |
| AEK BANK 1826 | 1.90% |
| Graubündner Kantonalbank | 1.99% |
| Bank Cler (formerly Bank Coop) | 2.02% |
| Bank BSU | 2.02% |
| Bank SLM | 2.03% |
| St.Galler Kantonalbank | 2.05% |
| Bank Avera | 2.05% |
| Baloise Bank SoBa | 2.06% |
| Raiffeisen | 2.09% |
| Valiant Bank | 2.11% |
| Zürcher Kantonalbank | 2.14% |
Potential savings* in 10 years via comparis.ch
CHF 31’500
* The potential saving is the difference between the cheapest mortgage interest rate available via comparis.ch and the average rate offered by all the providers in the above comparison.
Questions relating to fixed-rate mortgages and mortgage rates
As of December 2025, mortgage interest rates in Switzerland lie between 1.35% and 2,05% for a 10-year fixed-rate mortgage with a mortgage amount of 750,000 Swiss francs. For a Saron mortgage with the same mortgage amount, the interest rate (margin) in Switzerland is currently between 0.64% and 1.20% .
You can find the best mortgage interest rates by comparing and negotiating. These are the best mortgage interest rate offers (as of December 2025) with a mortgage volume of CHF 750,000: Comparis compares the mortgage interest rates of over 30 providers and negotiates the best interest rate for you.
Interest rates vary according to the type of mortgage, term, lender, canton, loan-to-value ratio and affordability. You can find the rates currently offered by the different lenders for fixed-rate and SARON mortgages in the above table.
Yes, and you should. You can find information, among other things, in our article on Refinancing mortgages . Independent mortgage specialists can help you negotiate.
With you help, Hypoplus – Comparis' mortgage specialist – determines the best mortgage for your particular situation then negotiates with the provider on your behalf to achieve the best possible price. This saves you money and time. Our customers currently (as of December 2025) rate HypoPlus 4.8 Stars on Google.
The longer you want to lock in your mortgage rate, the higher the premium you will pay to do so. Therefore, the longer the term, the higher the interest rate. From time to time, lenders may advertise especially attractive rates for certain mortgage terms. Comparis can help you find these special deals.
With a fixed-rate mortgage, the interest rate remains the same for the entire repayment term . The most common repayment terms are between 2 and 15 years, although some lenders offer fixed-rate mortgages over 20 years. Comparis can tell you more about the advantages and disadvantages of fixed-rate mortgages.
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