PostFinance fixed-rate mortgage

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PostFinance fixed-rate mortgage

  • Swiss fixed-rate mortgage

  • In cooperation with other banks

General information:
Not specified.
Indicative mortgage rates (in %):

Fixed-rate mortgage 2 years: 1.25%

Fixed-rate mortgage 3 years: 1.35%

Fixed-rate mortgage 4 years: 1.5%

Fixed-rate mortgage 5 years: 1.55%

Fixed-rate mortgage 6 years: 1.63%

Fixed-rate mortgage 7 years: 1.69%

Fixed-rate mortgage 8 years: 1.74%

Fixed-rate mortgage 9 years: 1.8%

Fixed-rate mortgage 10 years: 1.85%

Fixed-rate mortgage 11 years: 1.89%

Fixed-rate mortgage 12 years: 1.94%

Fixed-rate mortgage 13 years: 1.97%

Fixed-rate mortgage 14 years: 2%

Fixed-rate mortgage 15 years: 2.03%

Update:
07/18/2026
Minimum amount:
CHF 50,000
Maximum amount:
CHF 1,200,000
Types of property:
Primary residence, Secondary residence, Holiday home
Types of financing:
New mortgage, Refinancing, First mortgage, Second mortgage, Direct amortization, Indirect amortization, Early withdrawal of pension funds, Forward mortgage, Renovation
Conditions and costs:

Loan modification fee: CHF 250. Early withdrawal from the loan agreement: CHF 500.

Loan-to-value ratio:

Maximum loan of 80% of the property value for owner-occupied properties; maximum loans of 75% of the property value for holiday properties.

Affordability:
The mortgage costs must not exceed a third of your income.
Second mortgage:
Second mortgages are available.
Notice period:

An early withdrawal from the mortgage agreement is possible only if a compensation for the early termination is paid.

Amortization:

Direct or indirect amortization through your retirement savings account 3a, PostFinance Pension 25/45 or life insurance plans.

Interest charge frequency:

The interest must be paid quarterly.


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Special Offer: CHF 42.90/m

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  • Fiber up to 2.5 Gbit/s & unlimited premium series

  • CHF 42.90/m for 6 months (then CHF 40.90/m)

  • Free activation (worth CHF 99)

Free bank account

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  • No account fees

  • Banking partner: Swissquote

  • CHF 20 trading credit with code «YUHMONEYLAND»

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

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  • Access to more than 3 million products (shares, ETFs, crypto and more)

Online private account

UBS Banking for adults

  • Open and manage your account, savings account, and cards easily in the UBS Mobile Banking App

  • Plus KeyClub rewards program

  • 50 CHF welcome gift

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