Current mortgage rates compared
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 | 1.35% |
| UBS key4 mortgages | 1.45% |
| Aargauische Pensionskasse | 1.55% |
| Vaudoise Insurances | 1.56% |
| St.Galler Pensionskasse | 1.58% |
| Swiss Life | 1.62% |
| Post pension fund | 1.62% |
| BVK | 1.62% |
| AXA | 1.63% |
| Generali | 1.64% |
| BCGE online | 1.67% |
| CA next bank | 1.67% |
| Swissquote Bank | 1.67% |
| Banque du Léman | 1.69% |
| PostFinance | 1.70% |
| Bank EKI Cooperative | 1.75% |
| Appenzeller Kantonalbank | 1.80% |
| AEK BANK 1826 | 1.80% |
| BPS (Suisse) | 1.85% |
| Migros Bank | 1.86% |
| Graubündner Kantonalbank | 1.93% |
| Bank SLM | 1.96% |
| Bank Cler (formerly Bank Coop) | 1.99% |
| Hypothekarbank Lenzburg | 1.99% |
| Bank Avera | 1.99% |
| St.Galler Kantonalbank | 2.00% |
| Zürcher Kantonalbank | 2.01% |
| Baloise Bank SoBa | 2.01% |
| Bank BSU | 2.01% |
| Raiffeisen | 2.02% |
| Valiant Bank | 2.06% |
Potential savings* in 10 years via comparis.ch
CHF 30’375
* 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.
Mortgage rates in Switzerland: frequently asked questions
As of January 2026, mortgage interest rates in Switzerland lie between 1.50% 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% .
No one specific bank generally offers the best mortgage rates. The interest rates depend on the mortgage model, the term, the credit rating and the loan-to-value ratio. The interest rates are also constantly changing. The Comparis mortgage rate comparison tool provides an overview of the current mortgage rates of over 30 providers on a daily basis.
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.
In general, 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. Some providers may advertise especially attractive rates for certain mortgage and conditions. HypoPlus, the Comparis mortgage partner, can help you to find such offers.
The SNB key interest rate in Switzerland is currently 0.0%. This rate has been in force since the reduction on 20 June 2025.
The Comparis mortgage rate forecast provides an estimate of how mortgage rates are likely to change in the coming months. The forecast will help you to determine whether you can expect mortgage rates to rise, fall or remain constant.
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