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: 1.52%

Fixed-rate mortgage 4 years: 1.54%

Fixed-rate mortgage 5 years: 1.54%

Fixed-rate mortgage 6 years: 1.56%

Fixed-rate mortgage 7 years: 1.58%

Fixed-rate mortgage 8 years: 1.6%

Fixed-rate mortgage 9 years: 1.62%

Fixed-rate mortgage 10 years: 1.64%

Fixed-rate mortgage 11 years: 1.67%

Fixed-rate mortgage 12 years: 1.7%

Fixed-rate mortgage 13 years: 1.73%

Fixed-rate mortgage 14 years: 1.74%

Fixed-rate mortgage 15 years: 1.76%

Fixed-rate mortgage 16 years: 1.78%

Fixed-rate mortgage 17 years: 1.81%

Fixed-rate mortgage 18 years: 1.82%

Fixed-rate mortgage 19 years: 1.84%

Fixed-rate mortgage 20 years: 1.87%

Update:
10/27/2026
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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Swiss private banking expertise

Personal wealth management

  • Up to CHF 100 welcome bonus

  • Free and convenient video call

  • An investment strategy tailored to your goals

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

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  • 100 Swiss francs starting credit with code: ML26V1

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

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