Swiss Life fixed-rate mortage

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Mortgages

Swiss Life fixed-rate mortage

  • Swiss fixed-rate mortgage

General information:

Forward mortgage: possible up to 18 months in advance. Additional discount with Home Option / Option Complete on fixed mortgages up to CHF 400,000 (only with insurance with Swiss Life) possible.

Indicative mortgage rates (in %):

Fixed-rate mortgage 3 years: 1.47%

Fixed-rate mortgage 4 years: 1.5%

Fixed-rate mortgage 5 years: 1.51%

Fixed-rate mortgage 6 years: 1.55%

Fixed-rate mortgage 7 years: 1.6%

Fixed-rate mortgage 8 years: 1.61%

Fixed-rate mortgage 9 years: 1.64%

Fixed-rate mortgage 10 years: 1.66%

Fixed-rate mortgage 11 years: 1.71%

Fixed-rate mortgage 12 years: 1.74%

Fixed-rate mortgage 13 years: 1.81%

Fixed-rate mortgage 14 years: 1.85%

Fixed-rate mortgage 15 years: 1.87%

Fixed-rate mortgage 16 years: 1.89%

Fixed-rate mortgage 17 years: 1.9%

Fixed-rate mortgage 18 years: 1.94%

Fixed-rate mortgage 19 years: 1.96%

Fixed-rate mortgage 20 years: 2.02%

Update:
07/27/2026
Minimum amount:
CHF 250,000
Maximum amount:
Not specified.
Types of property:
Primary residence, Investment property, Commercial property
Types of financing:
New mortgage, Refinancing, First mortgage, Second mortgage, Indirect amortization, Early withdrawal of pension funds, Forward mortgage, Renovation
Conditions and costs:

Special interest rates for income property.

Loan-to-value ratio:
The maximum loan-to-value ratio for your property is 80%.
Affordability:
The mortgage costs must not exceed a third of your income.
Second mortgage:
Second mortgages are available.
Notice period:

There is no early repayment fee in the event of termination as part of a property sale (except in the case of a sale to family or relatives). Otherwise, termination during the agreed contract period is not possible without an early repayment fee.

Amortization:
Not specified.
Interest charge frequency:

The interest must be paid quarterly.


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Special offers for Moneyland users

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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)

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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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UBS Banking for adults

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  • Plus KeyClub rewards program

  • 50 CHF welcome gift

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