Swiss mortgage rates compared

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History-Seite2, 5, 10 oder 15 Jahre übereinander legen.Durchschnitt ansehenMarktmittel je Laufzeit als schnelle Orientierung.Rechner öffnenFinanzierung mit aktuellen Richtzinsen prüfen.

Market data

Averages, low rates and movement at a glance

Durchschnitt ansehen Historie vergleichen Test in mortgage calculator

10-year average

1.939 %

Lowest fixed rate

0.890 %

Providers with data

Currently low fixed-rate mortgages

UBS key42 years0.890 %UBS key43 years0.950 %UBS key44 years0.990 %UBS key45 years1.050 %UBS key46 years1.130 %

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 2'666

Interest, amortisation and maintenance

Rate used

1.94 %

from published guide rates

InterestCHF 1'166

AmortisationCHF 750

MaintenanceCHF 750

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

Aargauische Pensionskasse

25.07.2026

SARON

–

1 year

–

2 years

1.15 %

3 years

1.2 %

4 years

1.3 %

5 years

1.35 %

6 years

1.4 %

7 years

1.45 %

8 years

1.5 %

9 years

1.52 %

10 years

1.55 %

11 years

1.65 %

12 years

1.7 %

13 years

1.72 %

14 years

1.75 %

15 years

1.78 %

Variable

2.75 %

Source: Aargauische Pensionskasse

View history

acrevis

25.07.2026

SARON

–

1 year

–

2 years

1.65 %

3 years

1.75 %

4 years

1.8 %

5 years

1.9 %

6 years

1.95 %

7 years

2.00 %

8 years

2.05 %

9 years

2.05 %

10 years

2.1 %

11 years

–

12 years

–

13 years

–

14 years

–

15 years

–

Variable

2.75 %

Source: acrevis

View history

AEK Bank

19.06.2026

older data

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 %

11 years

–

12 years

–

13 years

–

14 years

–

15 years

–

Variable

–

Source: AEK Bank

View history

Alpha Rheintal Bank

02.07.2026

older data

SARON

–

1 year

–

2 years

1.45 %

3 years

1.55 %

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 %

11 years

–

12 years

–

13 years

–

14 years

–

15 years

–

Variable

–

Source: Alpha Rheintal Bank

View history

Appenzeller Kantonalbank (APPKB)

25.07.2026

SARON

–

1 year

1.5 %

2 years

1.5 %

3 years

1.55 %

4 years

1.6 %

5 years

1.7 %

6 years

1.75 %

7 years

1.8 %

8 years

1.85 %

9 years

1.9 %

10 years

1.95 %

11 years

–

12 years

–

13 years

–

14 years

–

15 years

–

Variable

–

Source: Appenzeller Kantonalbank (APPKB)

View history

AXA

25.07.2026

SARON

–

1 year

–

2 years

1.65 %

3 years

1.67 %

4 years

1.68 %

5 years

1.68 %

6 years

1.7 %

7 years

1.69 %

8 years

1.7 %

9 years

1.71 %

10 years

1.73 %

11 years

–

12 years

1.84 %

13 years

–

14 years

–

15 years

2.06 %

Variable

–

Source: AXA

View history

Baloise Bank

25.07.2026

SARON

0.9 %

1 year

–

2 years

1.3 %

3 years

1.43 %

4 years

1.5 %

5 years

1.55 %

6 years

1.65 %

7 years

1.7 %

8 years

1.75 %

9 years

1.8 %

10 years

1.84 %

11 years

–

12 years

–

13 years

–

14 years

–

15 years

–

Variable

–

Source: Baloise Bank

View history

Baloise Online

11.07.2026

older data

SARON

0.3 %

1 year

–

2 years

–

3 years

–

4 years

–

5 years

–

6 years

–

7 years

–

8 years

–

9 years

–

10 years

–

11 years

–

12 years

–

13 years

–

14 years

–

15 years

–

Variable

–

Source: Baloise Online

View history

Bank Avera

25.07.2026

SARON

–

1 year

–

2 years

1.69 %

3 years

1.78 %

4 years

1.85 %

5 years

1.92 %

6 years

1.96 %

7 years

2.01 %

8 years

2.06 %

9 years

2.11 %

10 years

2.16 %

11 years

2.3 %

12 years

2.34 %

13 years

2.37 %

14 years

2.39 %

15 years

2.42 %

Variable

–

Source: Bank Avera

View history

Bank CLER

25.07.2026

SARON

–

1 year

1.54 %

2 years

1.65 %

3 years

1.75 %

4 years

1.82 %

5 years

1.88 %

6 years

1.95 %

7 years

2.00 %

8 years

2.06 %

9 years

2.1 %

10 years

2.16 %

11 years

2.22 %

12 years

2.27 %

13 years

2.31 %

14 years

2.36 %

15 years

2.38 %

Variable

3.00 %

Source: Bank CLER

View history

Bank EKI

20.07.2026

SARON

–

1 year

–

2 years

1.35 %

3 years

1.45 %

4 years

1.5 %

5 years

1.55 %

6 years

1.6 %

7 years

1.65 %

8 years

1.75 %

9 years

1.8 %

10 years

1.85 %

11 years

1.9 %

12 years

1.95 %

13 years

2.00 %

14 years

2.05 %

15 years

2.1 %

Variable

0.00 %

Source: Bank EKI

View history

Bank SLM

11.07.2026

older data

SARON

1.15 %

1 year

–

2 years

–

3 years

1.57 %

4 years

1.59 %

5 years

1.66 %

6 years

–

7 years

1.77 %

8 years

1.82 %

9 years

1.88 %

10 years

1.93 %

11 years

–

12 years

–

13 years

–

14 years

–

15 years

–

Variable

–

Source: Bank SLM

View history

Bank Thalwil

25.07.2026

SARON

–

1 year

–

2 years

1.56 %

3 years

1.7 %

4 years

1.85 %

5 years

1.91 %

6 years

1.96 %

7 years

2.00 %

8 years

2.05 %

9 years

2.1 %

10 years

2.15 %

11 years

–

12 years

–

13 years

–

14 years

–

15 years

–

Variable

–

Source: Bank Thalwil

View history

BVK

25.07.2026

SARON

–

1 year

–

2 years

1.3 %

3 years

1.33 %

4 years

1.38 %

5 years

1.43 %

6 years

1.48 %

7 years

1.53 %

8 years

1.58 %

9 years

1.63 %

10 years

1.68 %

11 years

1.75 %

12 years

1.79 %

13 years

–

14 years

–

15 years

–

Variable

–

Source: BVK

View history

Generali

25.07.2026

SARON

–

1 year

–

2 years

1.59 %

3 years

1.68 %

4 years

1.78 %

5 years

1.83 %

6 years

1.9 %

7 years

1.94 %

8 years

2.04 %

9 years

2.06 %

10 years

2.09 %

11 years

–

12 years

–

13 years

–

14 years

–

15 years

–

Variable

3.25 %

Source: Generali

View history

Glarner Kantonalbank (GLKB)

25.07.2026

SARON

–

1 year

–

2 years

1.66 %

3 years

1.75 %

4 years

1.8 %

5 years

1.84 %

6 years

1.95 %

7 years

1.99 %

8 years

2.03 %

9 years

2.06 %

10 years

2.12 %

11 years

2.16 %

12 years

2.19 %

13 years

2.22 %

14 years

2.25 %

15 years

2.28 %

Variable

–

Source: Glarner Kantonalbank (GLKB)

View history

Hypomat by Glarner Kantonalbank

25.07.2026

SARON

–

1 year

–

2 years

1.28 %

3 years

1.37 %

4 years

1.43 %

5 years

1.48 %

6 years

1.59 %

7 years

1.64 %

8 years

1.68 %

9 years

1.73 %

10 years

1.78 %

11 years

1.82 %

12 years

1.86 %

13 years

1.89 %

14 years

1.92 %

15 years

1.95 %

Variable

–

Source: Hypomat by Glarner Kantonalbank

View history

Hypothekarbank Lenzburg

25.07.2026

SARON

–

1 year

–

2 years

1.5 %

3 years

1.61 %

4 years

1.67 %

5 years

1.75 %

6 years

1.79 %

7 years

1.84 %

8 years

1.91 %

9 years

1.96 %

10 years

1.7 %

11 years

–

12 years

–

13 years

–

14 years

–

15 years

–

Variable

–

Source: Hypothekarbank Lenzburg

View history

Luzerner Kantonalbank (LUKB)

25.07.2026

SARON

–

1 year

–

2 years

1.6 %

3 years

1.7 %

4 years

1.78 %

5 years

1.92 %

6 years

1.97 %

7 years

2.02 %

8 years

2.08 %

9 years

2.14 %

10 years

2.19 %

11 years

–

12 years

–

13 years

–

14 years

–

15 years

–

Variable

–

Source: Luzerner Kantonalbank (LUKB)

View history

Migros Bank

25.07.2026

SARON

–

1 year

–

2 years

1.53 %

3 years

1.65 %

4 years

1.72 %

5 years

1.75 %

6 years

1.87 %

7 years

1.93 %

8 years

1.99 %

9 years

2.04 %

10 years

2.09 %

11 years

–

12 years

–

13 years

–

14 years

–

15 years

–

Variable

–

Source: Migros Bank

View history

Mobiliar

25.06.2026

older data

SARON

1.15 %

1 year

–

2 years

1.23 %

3 years

–

4 years

–

5 years

1.43 %

6 years

–

7 years

–

8 years

–

9 years

–

10 years

1.72 %

11 years

–

12 years

–

13 years

–

14 years

–

15 years

–

Variable

–

Source: Mobiliar

View history

PostFinance

25.07.2026

SARON

–

1 year

–

2 years

1.35 %

3 years

1.45 %

4 years

1.54 %

5 years

1.6 %

6 years

1.75 %

7 years

1.8 %

8 years

1.89 %

9 years

1.93 %

10 years

1.95 %

11 years

1.98 %

12 years

2.02 %

13 years

2.04 %

14 years

2.07 %

15 years

2.13 %

Variable

–

Source: PostFinance

View history

Raiffeisen

25.07.2026

SARON

1.00 %

1 year

–

2 years

1.5 %

3 years

1.6 %

4 years

1.73 %

5 years

1.82 %

6 years

1.89 %

7 years

1.96 %

8 years

2.03 %

9 years

2.08 %

10 years

2.14 %

11 years

–

12 years

–

13 years

–

14 years

–

15 years

–

Variable

3.00 %

Source: Raiffeisen

View history

St.Galler Kantonalbank (SGKB)

25.07.2026

SARON

–

1 year

–

2 years

1.65 %

3 years

1.75 %

4 years

1.8 %

5 years

1.85 %

6 years

1.95 %

7 years

2.00 %

8 years

2.05 %

9 years

2.1 %

10 years

2.15 %

11 years

–

12 years

–

13 years

–

14 years

–

15 years

–

Variable

–

Source: St.Galler Kantonalbank (SGKB)

View history

Swissquote

25.07.2026

SARON

0.71 %

1 year

–

2 years

1.21 %

3 years

1.28 %

4 years

1.36 %

5 years

1.5 %

6 years

1.56 %

7 years

1.61 %

8 years

1.67 %

9 years

1.74 %

10 years

1.79 %

11 years

–

12 years

–

13 years

–

14 years

–

15 years

–

Variable

–

Source: Swissquote

View history

UBS key4

30.06.2026

older data

SARON

0.78 %

1 year

–

2 years

0.89 %

3 years

0.95 %

4 years

0.99 %

5 years

1.05 %

6 years

1.13 %

7 years

1.19 %

8 years

1.24 %

9 years

1.3 %

10 years

1.35 %

11 years

1.46 %

12 years

1.5 %

13 years

1.54 %

14 years

1.57 %

15 years

1.6 %

Variable

–

Source: UBS key4

View history

Valiant

25.07.2026

SARON

–

1 year

–

2 years

1.73 %

3 years

1.83 %

4 years

1.9 %

5 years

1.95 %

6 years

1.99 %

7 years

2.05 %

8 years

2.09 %

9 years

2.14 %

10 years

2.2 %

11 years

–

12 years

–

13 years

–

14 years

–

15 years

–

Variable

–

Source: Valiant

View history

Vaudoise

25.07.2026

SARON

–

1 year

–

2 years

–

3 years

1.31 %

4 years

1.39 %

5 years

1.43 %

6 years

1.51 %

7 years

1.56 %

8 years

1.61 %

9 years

1.66 %

10 years

1.71 %

11 years

1.74 %

12 years

1.78 %

13 years

1.81 %

14 years

1.84 %

15 years

1.89 %

Variable

–

Source: Vaudoise

View history

Zuger Kantonalbank (ZugerKB)

25.07.2026

SARON

–

1 year

–

2 years

1.61 %

3 years

1.7 %

4 years

1.77 %

5 years

1.82 %

6 years

1.87 %

7 years

1.92 %

8 years

1.97 %

9 years

2.02 %

10 years

2.06 %

11 years

–

12 years

–

13 years

–

14 years

–

15 years

–

Variable

3.00 %

Source: Zuger Kantonalbank (ZugerKB)

View history

Zürcher Kantonalbank (ZKB)

25.07.2026

SARON

–

1 year

–

2 years

1.71 %

3 years

1.8 %

4 years

1.87 %

5 years

1.94 %

6 years

1.98 %

7 years

2.03 %

8 years

2.08 %

9 years

2.13 %

10 years

2.18 %

11 years

2.32 %

12 years

2.36 %

13 years

2.39 %

14 years

2.41 %

15 years

2.44 %

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	11 years	12 years	13 years	14 years	15 years	Variable	Status
Aargauische Pensionskasse	25.07.2026	–	–	1.15 %	1.2 %	1.3 %	1.35 %	1.4 %	1.45 %	1.5 %	1.52 %	1.55 %	1.65 %	1.7 %	1.72 %	1.75 %	1.78 %	2.75 %	current
acrevis	25.07.2026	–	–	1.65 %	1.75 %	1.8 %	1.9 %	1.95 %	2.00 %	2.05 %	2.05 %	2.1 %	–	–	–	–	–	2.75 %	current
AEK Bank	19.06.2026	–	1.45 %	1.45 %	1.5 %	1.6 %	1.65 %	1.7 %	1.8 %	1.85 %	1.9 %	1.95 %	–	–	–	–	–	–	older data
Alpha Rheintal Bank	02.07.2026	–	–	1.45 %	1.55 %	1.6 %	1.65 %	1.7 %	1.8 %	1.85 %	1.9 %	1.95 %	–	–	–	–	–	–	older data
Appenzeller Kantonalbank (APPKB)	25.07.2026	–	1.5 %	1.5 %	1.55 %	1.6 %	1.7 %	1.75 %	1.8 %	1.85 %	1.9 %	1.95 %	–	–	–	–	–	–	current
AXA	25.07.2026	–	–	1.65 %	1.67 %	1.68 %	1.68 %	1.7 %	1.69 %	1.7 %	1.71 %	1.73 %	–	1.84 %	–	–	2.06 %	–	current
Baloise Bank	25.07.2026	0.9 %	–	1.3 %	1.43 %	1.5 %	1.55 %	1.65 %	1.7 %	1.75 %	1.8 %	1.84 %	–	–	–	–	–	–	current
Baloise Online	11.07.2026	0.3 %	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	–	older data
Bank Avera	25.07.2026	–	–	1.69 %	1.78 %	1.85 %	1.92 %	1.96 %	2.01 %	2.06 %	2.11 %	2.16 %	2.3 %	2.34 %	2.37 %	2.39 %	2.42 %	–	current
Bank CLER	25.07.2026	–	1.54 %	1.65 %	1.75 %	1.82 %	1.88 %	1.95 %	2.00 %	2.06 %	2.1 %	2.16 %	2.22 %	2.27 %	2.31 %	2.36 %	2.38 %	3.00 %	current
Bank EKI	20.07.2026	–	–	1.35 %	1.45 %	1.5 %	1.55 %	1.6 %	1.65 %	1.75 %	1.8 %	1.85 %	1.9 %	1.95 %	2.00 %	2.05 %	2.1 %	0.00 %	current
Bank SLM	11.07.2026	1.15 %	–	–	1.57 %	1.59 %	1.66 %	–	1.77 %	1.82 %	1.88 %	1.93 %	–	–	–	–	–	–	older data
Bank Thalwil	25.07.2026	–	–	1.56 %	1.7 %	1.85 %	1.91 %	1.96 %	2.00 %	2.05 %	2.1 %	2.15 %	–	–	–	–	–	–	current
BVK	25.07.2026	–	–	1.3 %	1.33 %	1.38 %	1.43 %	1.48 %	1.53 %	1.58 %	1.63 %	1.68 %	1.75 %	1.79 %	–	–	–	–	current
Generali	25.07.2026	–	–	1.59 %	1.68 %	1.78 %	1.83 %	1.9 %	1.94 %	2.04 %	2.06 %	2.09 %	–	–	–	–	–	3.25 %	current
Glarner Kantonalbank (GLKB)	25.07.2026	–	–	1.66 %	1.75 %	1.8 %	1.84 %	1.95 %	1.99 %	2.03 %	2.06 %	2.12 %	2.16 %	2.19 %	2.22 %	2.25 %	2.28 %	–	current
Hypomat by Glarner Kantonalbank	25.07.2026	–	–	1.28 %	1.37 %	1.43 %	1.48 %	1.59 %	1.64 %	1.68 %	1.73 %	1.78 %	1.82 %	1.86 %	1.89 %	1.92 %	1.95 %	–	current
Hypothekarbank Lenzburg	25.07.2026	–	–	1.5 %	1.61 %	1.67 %	1.75 %	1.79 %	1.84 %	1.91 %	1.96 %	1.7 %	–	–	–	–	–	–	current
Luzerner Kantonalbank (LUKB)	25.07.2026	–	–	1.6 %	1.7 %	1.78 %	1.92 %	1.97 %	2.02 %	2.08 %	2.14 %	2.19 %	–	–	–	–	–	–	current
Migros Bank	25.07.2026	–	–	1.53 %	1.65 %	1.72 %	1.75 %	1.87 %	1.93 %	1.99 %	2.04 %	2.09 %	–	–	–	–	–	–	current
Mobiliar	25.06.2026	1.15 %	–	1.23 %	–	–	1.43 %	–	–	–	–	1.72 %	–	–	–	–	–	–	older data
PostFinance	25.07.2026	–	–	1.35 %	1.45 %	1.54 %	1.6 %	1.75 %	1.8 %	1.89 %	1.93 %	1.95 %	1.98 %	2.02 %	2.04 %	2.07 %	2.13 %	–	current
Raiffeisen	25.07.2026	1.00 %	–	1.5 %	1.6 %	1.73 %	1.82 %	1.89 %	1.96 %	2.03 %	2.08 %	2.14 %	–	–	–	–	–	3.00 %	current
St.Galler Kantonalbank (SGKB)	25.07.2026	–	–	1.65 %	1.75 %	1.8 %	1.85 %	1.95 %	2.00 %	2.05 %	2.1 %	2.15 %	–	–	–	–	–	–	current
Swissquote	25.07.2026	0.71 %	–	1.21 %	1.28 %	1.36 %	1.5 %	1.56 %	1.61 %	1.67 %	1.74 %	1.79 %	–	–	–	–	–	–	current
UBS key4	30.06.2026	0.78 %	–	0.89 %	0.95 %	0.99 %	1.05 %	1.13 %	1.19 %	1.24 %	1.3 %	1.35 %	1.46 %	1.5 %	1.54 %	1.57 %	1.6 %	–	older data
Valiant	25.07.2026	–	–	1.73 %	1.83 %	1.9 %	1.95 %	1.99 %	2.05 %	2.09 %	2.14 %	2.2 %	–	–	–	–	–	–	current
Vaudoise	25.07.2026	–	–	–	1.31 %	1.39 %	1.43 %	1.51 %	1.56 %	1.61 %	1.66 %	1.71 %	1.74 %	1.78 %	1.81 %	1.84 %	1.89 %	–	current
Zuger Kantonalbank (ZugerKB)	25.07.2026	–	–	1.61 %	1.7 %	1.77 %	1.82 %	1.87 %	1.92 %	1.97 %	2.02 %	2.06 %	–	–	–	–	–	3.00 %	current
Zürcher Kantonalbank (ZKB)	25.07.2026	–	–	1.71 %	1.8 %	1.87 %	1.94 %	1.98 %	2.03 %	2.08 %	2.13 %	2.18 %	2.32 %	2.36 %	2.39 %	2.41 %	2.44 %	–	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.

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