The mortgage calculator by moneyland.ch provides a practical overview of Swiss mortgage rates. The indicative interest rates are updated twice daily.
Only mortgage offers which match your personal criteria will appear in results:
- Mortgage type (new mortgage or refinancing).
- Property (primary residence, second home, holiday home, investment property, business property).
- Preferred mortgage type (fixed-rate mortgage, LIBOR-based mortgage, adjustable-rate mortgage, construction loan).
- Maximum loan-to-value ratio.
- Minimum and maximum mortgage amount.
- Preferred canton of mortgage providers.
Home loans: more information
How to refinance a mortgage in Switzerland
How much does an early termination cost?
Family mortgages compared
Rent or buy?
Energy efficient mortgages
Variable rate mortgages compared
Online mortgages in Switzerland
LIBOR-based mortgages with swaps
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Fixed-rate mortgages (FRMs) are the most popular kind of mortgage in Switzerland. The interest rate of an FRM is set in advance, and applies to the entire mortgage term. Most FRMs come with terms of between 2 and 15 years.
Advantages of fixed-rate mortgages: The full cost of the mortgage can easily be calculated in advance. Your mortgage rate remains the same even when market rates go up, so if you sign up for an FRM when rates are low, you can enjoy that low rate over the life of your mortgage.
Disadvantage of fixed-rate mortgages: If market rates go down, your FRM’s interest rate will remain the same, in which case you could end up paying more for your mortgage. Terminating an FRM agreement ahead of schedule is difficult.
A LIBOR-based mortgage (also called a money-market mortgage) does not have a fixed interest rate. Instead, the interest rate changes in keeping with the market rate as indicated by the London Interbank Offered Rate (LIBOR). You can find more information on Swiss LIBOR-based mortgages here.
Advantages of LIBOR mortgages: If market-based interest rates remain very low over a long period of time, a LIBOR-based mortgage can be the most affordable mortgage of all. The LIBOR is generally quick to adjust to drops in market rates.
Disadvantages of LIBOR-based mortgages: If the LIBOR goes up, your LIBOR-based mortgage rate will go up with it, in which case you could pay a lot for your mortgage.
An adjustable-rate mortgage (ARM), which is often called a variable mortgage in Switzerland, does not have a fixed term, making it a flexible mortgage option.
The benefit of Swiss ARMs is that they can be cancelled by the homeowner at any time, generally with a notice period of 3 to 6 months.
The disadvantage of Swiss ARMs is that the cost of this type of mortgage has been consistently high for many years now. You can learn more about variable-rate mortgages here.
A construction loan (or construction mortgage) is provided before construction of a property has been completed. An additional fee is normally charged in addition to the interest rate, either as a quarterly charge or as a flat-rate fee. A construction loan can be replaced by a mortgage after construction is complete.
Online mortgage providers compared
Avantage Service (Cantonal Bank of Geneva BCGE), FriBenk, Homegate, Hypomat, Swissquote.
Standard mortgage providers (banks and insurance companies) compared
Allianz Suisse, AXA Winterthur, Baloise Bank SoBa, Banca Popolare di Sondrio (Suisse), Bank Cler, Basler Kantonalbank, Clientis Zürcher Regionalbank, Crédit Agricole next bank, Credit Suisse, Generali, Glarner Kantonalbank, Graubündner Kantonalbank, Helvetia, Hypothekarbank Lenzburg, Migros Bank, PostFinance, Raiffeisen Schweiz Genossenschaft, Regiobank Solothurn, St.Galler Kantonalbank, Swiss Life, Thurgauer Kantonalbank, Valiant Bank, WIR Bank Genossenschaft, Zuger Kantonalbank, Zürcher Kantonalbank, Zurich, Luzerner Kantonalbank, Appenzeller Kantonalbank, Nidwaldner Kantonalbank, Basellandschaftliche Kantonalbank, Freiburger Kantonalbank, Obwaldner Kantonalbank, Schwyzer Kantonalbank, Urner Kantonalbank, Neuenburger Kantonalbank, Acrevis Bank, AEK Bank, Bernerland Bank, Bank BSU, Clientis BS Bank Schaffhausen, Alpha Rheintal Bank, Bank EKI, Banque du Léman.