GLKB Hypomat fixed-rate mortgage

  • Swiss fixed-rate mortgage

  • Online mortgage

General information:

Uniform interest rate for all borrowers and property types that meet the criteria (owner-occupied, dependent-occupied, single-family homes, condominiums, vacation properties, multi-family homes). 2 to 20 years. Financing of vacation homes and apartments is possible only up to 10 years, of multi-family houses up to 15 years.

Indicative mortgage rates (in %):

Fixed-rate mortgage 2 years: 1.15%

Fixed-rate mortgage 3 years: 1.23%

Fixed-rate mortgage 4 years: 1.29%

Fixed-rate mortgage 5 years: 1.34%

Fixed-rate mortgage 6 years: 1.45%

Fixed-rate mortgage 7 years: 1.51%

Fixed-rate mortgage 8 years: 1.57%

Fixed-rate mortgage 9 years: 1.61%

Fixed-rate mortgage 10 years: 1.66%

Fixed-rate mortgage 11 years: 1.71%

Fixed-rate mortgage 12 years: 1.75%

Fixed-rate mortgage 13 years: 1.79%

Fixed-rate mortgage 14 years: 1.82%

Fixed-rate mortgage 15 years: 1.85%

Fixed-rate mortgage 16 years: 1.86%

Fixed-rate mortgage 17 years: 1.88%

Fixed-rate mortgage 18 years: 1.89%

Fixed-rate mortgage 19 years: 1.9%

Fixed-rate mortgage 20 years: 1.92%

Update:
06/10/2026
Minimum amount:
CHF 100,000
Maximum amount:
CHF 2,000,000
Types of property:
Primary residence, Holiday home, Investment property
Types of financing:
New mortgage, Refinancing, First mortgage
Conditions and costs:

No 2nd mortgage possible. Fees in the amount of CHF 200 at renewal.

Loan-to-value ratio:
The maximum loan-to-value ratio for your property is 67%.
Affordability:
Not specified.
Second mortgage:
Second mortgages are not available.
Notice period:
Not specified.
Amortization:

You don't have to pay off the first mortgage.

Interest charge frequency:

The interest must be paid quarterly.


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  • Leading Swiss online bank with FINMA license

  • Free multicurrency account & low commissions

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  • No account fees

  • Banking partner: Swissquote

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Saxo Bank Special Offer

  • Special offer: Reimbursement of brokerage fees up to CHF 200 for 90 days

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  • Premium guarantee: No increase

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  • 50 KeyClub points as a welcome gift

  • Online private account with debit card

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