Public market overview

Swiss mortgage rates compared

Compare currently published mortgage rates from different Swiss providers. The overview shows rates by term and is updated regularly.

The rates shown are published guide rates from providers and are not a personal offer. The rate actually offered can vary depending on the property, credit profile, loan-to-value, affordability, equity and negotiation.

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Context

Published rates

Comparable by term

Historical development

Market data

Averages, low rates and movement at a glance

Wertify aggregates published guide rates into term comparisons, averages and small trend charts. This makes it easier to see which terms currently stand out.

Test in mortgage calculator

10-year average

1.904 %

Lowest fixed rate

1.100 %

Providers with data

Currently low fixed-rate mortgages

Swissquote2 years1.100 %Hypomat by Glarner Kantonalbank2 years1.110 %UBS key42 years1.110 %Hypomat by Glarner Kantonalbank3 years1.180 %Swissquote3 years1.190 %

Compare by term

Important terms have dedicated comparison pages with average, lowest published guide rate and development.

Compare SARON Compare 5 years Compare 10 years Compare 15 years

Cost example

Beta

What does CHF 900,000 cost over 10 years?

With 20 % equity, 80 % mortgage, maintenance and amortisation.

Calculate in detail

Equity

CHF 180'000

20 %

Mortgage

CHF 720'000

80 %

approx. monthly

CHF 2'647

Interest, amortisation and maintenance

Rate used

1.91 %

from published guide rates

InterestCHF 1'147

AmortisationCHF 750

MaintenanceCHF 750

Non-binding orientation. No financing advice and no bank offer.

Aargauische Pensionskasse

02.06.2026

SARON

–

1 year

–

2 years

1.2 %

3 years

1.25 %

4 years

1.35 %

5 years

1.4 %

6 years

1.45 %

7 years

1.5 %

8 years

1.55 %

9 years

1.58 %

10 years

1.6 %

Variable

2.75 %

Source: Aargauische Pensionskasse

View history

acrevis

02.06.2026

SARON

–

1 year

–

2 years

1.5 %

3 years

1.6 %

4 years

1.65 %

5 years

1.7 %

6 years

1.8 %

7 years

1.85 %

8 years

1.9 %

9 years

1.95 %

10 years

2.00 %

Variable

2.75 %

Source: acrevis

View history

AEK Bank

02.06.2026

SARON

–

1 year

1.45 %

2 years

1.45 %

3 years

1.5 %

4 years

1.6 %

5 years

1.65 %

6 years

1.7 %

7 years

1.8 %

8 years

1.85 %

9 years

1.9 %

10 years

1.95 %

Variable

–

Source: AEK Bank

View history

Alpha Rheintal Bank

16.05.2026

older data

SARON

–

1 year

–

2 years

1.5 %

3 years

1.55 %

4 years

1.65 %

5 years

1.75 %

6 years

1.8 %

7 years

1.85 %

8 years

1.9 %

9 years

1.95 %

10 years

2.00 %

Variable

–

Source: Alpha Rheintal Bank

View history

Appenzeller Kantonalbank (APPKB)

02.06.2026

SARON

–

1 year

1.35 %

2 years

1.35 %

3 years

1.4 %

4 years

1.45 %

5 years

1.55 %

6 years

1.6 %

7 years

1.65 %

8 years

1.7 %

9 years

1.75 %

10 years

1.8 %

Variable

–

Source: Appenzeller Kantonalbank (APPKB)

View history

AXA

02.06.2026

SARON

–

1 year

–

2 years

1.52 %

3 years

1.55 %

4 years

1.55 %

5 years

1.57 %

6 years

1.57 %

7 years

1.58 %

8 years

1.59 %

9 years

1.62 %

10 years

1.65 %

Variable

–

Source: AXA

View history

Baloise Bank

16.05.2026

older data

SARON

–

1 year

–

2 years

1.54 %

3 years

1.64 %

4 years

1.71 %

5 years

1.77 %

6 years

1.82 %

7 years

1.87 %

8 years

1.92 %

9 years

1.98 %

10 years

2.04 %

Variable

–

Source: Baloise Bank

View history

Baloise Online

02.06.2026

SARON

0.9 %

1 year

–

2 years

1.24 %

3 years

1.37 %

4 years

1.44 %

5 years

1.51 %

6 years

1.57 %

7 years

1.63 %

8 years

1.69 %

9 years

1.75 %

10 years

1.8 %

Variable

–

Source: Baloise Online

View history

Bank Avera

22.05.2026

older data

SARON

–

1 year

1.29 %

2 years

1.64 %

3 years

1.74 %

4 years

1.82 %

5 years

1.89 %

6 years

1.96 %

7 years

2.02 %

8 years

2.08 %

9 years

2.13 %

10 years

2.19 %

Variable

–

Source: Bank Avera

View history

Bank CLER

02.06.2026

SARON

3.00 %

1 year

1.47 %

2 years

1.51 %

3 years

1.63 %

4 years

1.7 %

5 years

1.77 %

6 years

1.83 %

7 years

1.9 %

8 years

1.95 %

9 years

2.01 %

10 years

2.05 %

Variable

3.00 %

Source: Bank CLER

View history

Bank EKI

02.06.2026

SARON

–

1 year

–

2 years

1.3 %

3 years

1.4 %

4 years

1.45 %

5 years

1.5 %

6 years

1.55 %

7 years

1.6 %

8 years

1.7 %

9 years

1.75 %

10 years

1.8 %

Variable

0.00 %

Source: Bank EKI

View history

Bank SLM

02.06.2026

SARON

1.15 %

1 year

–

2 years

–

3 years

1.62 %

4 years

1.66 %

5 years

1.69 %

6 years

–

7 years

1.82 %

8 years

1.87 %

9 years

1.93 %

10 years

1.98 %

Variable

–

Source: Bank SLM

View history

Bank Thalwil

02.06.2026

SARON

–

1 year

–

2 years

1.4 %

3 years

1.53 %

4 years

1.67 %

5 years

1.73 %

6 years

1.79 %

7 years

1.85 %

8 years

1.9 %

9 years

1.96 %

10 years

2.01 %

Variable

–

Source: Bank Thalwil

View history

BVK

02.06.2026

SARON

–

1 year

–

2 years

1.32 %

3 years

1.36 %

4 years

1.43 %

5 years

1.49 %

6 years

1.54 %

7 years

1.58 %

8 years

1.63 %

9 years

1.68 %

10 years

1.72 %

Variable

–

Source: BVK

View history

Generali

02.06.2026

SARON

–

1 year

–

2 years

1.72 %

3 years

1.81 %

4 years

1.88 %

5 years

1.92 %

6 years

1.96 %

7 years

2.02 %

8 years

2.08 %

9 years

2.12 %

10 years

2.15 %

Variable

3.25 %

Source: Generali

View history

Glarner Kantonalbank (GLKB)

02.06.2026

SARON

–

1 year

–

2 years

1.49 %

3 years

1.57 %

4 years

1.61 %

5 years

1.67 %

6 years

1.72 %

7 years

1.77 %

8 years

1.81 %

9 years

1.87 %

10 years

1.91 %

Variable

–

Source: Glarner Kantonalbank (GLKB)

View history

Hypomat by Glarner Kantonalbank

02.06.2026

SARON

–

1 year

–

2 years

1.11 %

3 years

1.18 %

4 years

1.24 %

5 years

1.3 %

6 years

1.36 %

7 years

1.42 %

8 years

1.47 %

9 years

1.52 %

10 years

1.57 %

Variable

–

Source: Hypomat by Glarner Kantonalbank

View history

Hypothekarbank Lenzburg

24.05.2026

older data

SARON

1.1 %

1 year

–

2 years

1.57 %

3 years

1.66 %

4 years

1.73 %

5 years

1.82 %

6 years

1.85 %

7 years

1.91 %

8 years

1.97 %

9 years

2.03 %

10 years

2.06 %

Variable

–

Source: Hypothekarbank Lenzburg

View history

Migros Bank

02.06.2026

SARON

–

1 year

–

2 years

1.42 %

3 years

1.51 %

4 years

1.62 %

5 years

1.65 %

6 years

1.74 %

7 years

1.8 %

8 years

1.87 %

9 years

1.96 %

10 years

1.98 %

Variable

6.7 %

Source: Migros Bank

View history

PostFinance

15.05.2026

older data

SARON

1.00 %

1 year

–

2 years

1.3 %

3 years

1.38 %

4 years

1.44 %

5 years

1.5 %

6 years

1.55 %

7 years

1.6 %

8 years

1.65 %

9 years

1.7 %

10 years

1.74 %

Variable

–

Source: PostFinance

View history

Raiffeisen

15.05.2026

older data

SARON

–

1 year

–

2 years

1.44 %

3 years

1.53 %

4 years

1.65 %

5 years

1.74 %

6 years

1.82 %

7 years

1.9 %

8 years

1.97 %

9 years

2.03 %

10 years

2.09 %

Variable

–

Source: Raiffeisen

View history

St.Galler Kantonalbank (SGKB)

02.06.2026

SARON

–

1 year

–

2 years

1.55 %

3 years

1.65 %

4 years

1.75 %

5 years

1.8 %

6 years

1.85 %

7 years

1.9 %

8 years

2.00 %

9 years

2.05 %

10 years

2.1 %

Variable

–

Source: St.Galler Kantonalbank (SGKB)

View history

Swissquote

02.06.2026

SARON

0.68 %

1 year

–

2 years

1.1 %

3 years

1.19 %

4 years

1.27 %

5 years

1.34 %

6 years

1.41 %

7 years

1.48 %

8 years

1.55 %

9 years

1.63 %

10 years

1.68 %

Variable

–

Source: Swissquote

View history

UBS key4

24.05.2026

older data

SARON

–

1 year

–

2 years

1.11 %

3 years

1.2 %

4 years

1.27 %

5 years

1.34 %

6 years

1.44 %

7 years

1.5 %

8 years

1.56 %

9 years

1.61 %

10 years

1.65 %

Variable

–

Source: UBS key4

View history

Valiant

02.06.2026

SARON

–

1 year

–

2 years

1.59 %

3 years

1.69 %

4 years

1.78 %

5 years

1.84 %

6 years

1.88 %

7 years

1.95 %

8 years

2.02 %

9 years

2.08 %

10 years

2.12 %

Variable

–

Source: Valiant

View history

Vaudoise

02.06.2026

SARON

–

1 year

–

2 years

–

3 years

1.26 %

4 years

1.35 %

5 years

1.38 %

6 years

1.44 %

7 years

1.5 %

8 years

1.56 %

9 years

1.62 %

10 years

1.68 %

Variable

–

Source: Vaudoise

View history

Zuger Kantonalbank (ZugerKB)

02.06.2026

SARON

–

1 year

–

2 years

1.45 %

3 years

1.53 %

4 years

1.6 %

5 years

1.65 %

6 years

1.71 %

7 years

1.77 %

8 years

1.83 %

9 years

1.88 %

10 years

1.93 %

Variable

3.00 %

Source: Zuger Kantonalbank (ZugerKB)

View history

Zürcher Kantonalbank (ZKB)

02.06.2026

SARON

1.35 %

1 year

–

2 years

1.58 %

3 years

1.65 %

4 years

1.72 %

5 years

1.78 %

6 years

1.84 %

7 years

1.89 %

8 years

1.95 %

9 years

2.01 %

10 years

2.06 %

Variable

–

Source: Zürcher Kantonalbank (ZKB)

View history

Provider	Updated	SARON	1 year	2 years	3 years	4 years	5 years	6 years	7 years	8 years	9 years	10 years	Variable	Status
Aargauische Pensionskasse	02.06.2026	–	–	1.2 %	1.25 %	1.35 %	1.4 %	1.45 %	1.5 %	1.55 %	1.58 %	1.6 %	2.75 %	current
acrevis	02.06.2026	–	–	1.5 %	1.6 %	1.65 %	1.7 %	1.8 %	1.85 %	1.9 %	1.95 %	2.00 %	2.75 %	current
AEK Bank	02.06.2026	–	1.45 %	1.45 %	1.5 %	1.6 %	1.65 %	1.7 %	1.8 %	1.85 %	1.9 %	1.95 %	–	current
Alpha Rheintal Bank	16.05.2026	–	–	1.5 %	1.55 %	1.65 %	1.75 %	1.8 %	1.85 %	1.9 %	1.95 %	2.00 %	–	older data
Appenzeller Kantonalbank (APPKB)	02.06.2026	–	1.35 %	1.35 %	1.4 %	1.45 %	1.55 %	1.6 %	1.65 %	1.7 %	1.75 %	1.8 %	–	current
AXA	02.06.2026	–	–	1.52 %	1.55 %	1.55 %	1.57 %	1.57 %	1.58 %	1.59 %	1.62 %	1.65 %	–	current
Baloise Bank	16.05.2026	–	–	1.54 %	1.64 %	1.71 %	1.77 %	1.82 %	1.87 %	1.92 %	1.98 %	2.04 %	–	older data
Baloise Online	02.06.2026	0.9 %	–	1.24 %	1.37 %	1.44 %	1.51 %	1.57 %	1.63 %	1.69 %	1.75 %	1.8 %	–	current
Bank Avera	22.05.2026	–	1.29 %	1.64 %	1.74 %	1.82 %	1.89 %	1.96 %	2.02 %	2.08 %	2.13 %	2.19 %	–	older data
Bank CLER	02.06.2026	3.00 %	1.47 %	1.51 %	1.63 %	1.7 %	1.77 %	1.83 %	1.9 %	1.95 %	2.01 %	2.05 %	3.00 %	current
Bank EKI	02.06.2026	–	–	1.3 %	1.4 %	1.45 %	1.5 %	1.55 %	1.6 %	1.7 %	1.75 %	1.8 %	0.00 %	current
Bank SLM	02.06.2026	1.15 %	–	–	1.62 %	1.66 %	1.69 %	–	1.82 %	1.87 %	1.93 %	1.98 %	–	current
Bank Thalwil	02.06.2026	–	–	1.4 %	1.53 %	1.67 %	1.73 %	1.79 %	1.85 %	1.9 %	1.96 %	2.01 %	–	current
BVK	02.06.2026	–	–	1.32 %	1.36 %	1.43 %	1.49 %	1.54 %	1.58 %	1.63 %	1.68 %	1.72 %	–	current
Generali	02.06.2026	–	–	1.72 %	1.81 %	1.88 %	1.92 %	1.96 %	2.02 %	2.08 %	2.12 %	2.15 %	3.25 %	current
Glarner Kantonalbank (GLKB)	02.06.2026	–	–	1.49 %	1.57 %	1.61 %	1.67 %	1.72 %	1.77 %	1.81 %	1.87 %	1.91 %	–	current
Hypomat by Glarner Kantonalbank	02.06.2026	–	–	1.11 %	1.18 %	1.24 %	1.3 %	1.36 %	1.42 %	1.47 %	1.52 %	1.57 %	–	current
Hypothekarbank Lenzburg	24.05.2026	1.1 %	–	1.57 %	1.66 %	1.73 %	1.82 %	1.85 %	1.91 %	1.97 %	2.03 %	2.06 %	–	older data
Migros Bank	02.06.2026	–	–	1.42 %	1.51 %	1.62 %	1.65 %	1.74 %	1.8 %	1.87 %	1.96 %	1.98 %	6.7 %	current
PostFinance	15.05.2026	1.00 %	–	1.3 %	1.38 %	1.44 %	1.5 %	1.55 %	1.6 %	1.65 %	1.7 %	1.74 %	–	older data
Raiffeisen	15.05.2026	–	–	1.44 %	1.53 %	1.65 %	1.74 %	1.82 %	1.9 %	1.97 %	2.03 %	2.09 %	–	older data
St.Galler Kantonalbank (SGKB)	02.06.2026	–	–	1.55 %	1.65 %	1.75 %	1.8 %	1.85 %	1.9 %	2.00 %	2.05 %	2.1 %	–	current
Swissquote	02.06.2026	0.68 %	–	1.1 %	1.19 %	1.27 %	1.34 %	1.41 %	1.48 %	1.55 %	1.63 %	1.68 %	–	current
UBS key4	24.05.2026	–	–	1.11 %	1.2 %	1.27 %	1.34 %	1.44 %	1.5 %	1.56 %	1.61 %	1.65 %	–	older data
Valiant	02.06.2026	–	–	1.59 %	1.69 %	1.78 %	1.84 %	1.88 %	1.95 %	2.02 %	2.08 %	2.12 %	–	current
Vaudoise	02.06.2026	–	–	–	1.26 %	1.35 %	1.38 %	1.44 %	1.5 %	1.56 %	1.62 %	1.68 %	–	current
Zuger Kantonalbank (ZugerKB)	02.06.2026	–	–	1.45 %	1.53 %	1.6 %	1.65 %	1.71 %	1.77 %	1.83 %	1.88 %	1.93 %	3.00 %	current
Zürcher Kantonalbank (ZKB)	02.06.2026	1.35 %	–	1.58 %	1.65 %	1.72 %	1.78 %	1.84 %	1.89 %	1.95 %	2.01 %	2.06 %	–	current

What do these rates mean?

Guide rates, not personal offers

The rates are published guide rates and can change. They are for orientation and do not replace an individual financing offer.

The rates shown are publicly published guide rates from the respective providers. Wertify does not guarantee completeness, timeliness or accuracy. The provider’s individual offer is always decisive.

This overview is not financing advice.

Think property value and financing together

The interest rate is only one part of the calculation

The mortgage rate is only one part of the equation. Purchase price, equity, affordability and renovation needs also matter. Start a free Wertify estimate to better understand your property.

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