Compare 12 years mortgage rates
Compare published guide rates for 12 years. The data shows average, range and development of saved provider values.
Average development for 12 years
The trend indicator is based on the latest saved published rates and is not a forecast.
Average
1.926 %
Lowest published guide rate
1.660 %
Highest published guide rate
2.380 %
Providers
12
Provider comparison for 12 years
| Provider | Rate | Updated | Trend |
|---|---|---|---|
| Hypomat by Glarner Kantonalbank | 1.660 % | 02.06.2026 | |
| Aargauische Pensionskasse | 1.750 % | 02.06.2026 | |
| Vaudoise | 1.760 % | 02.06.2026 | |
| AXA | 1.770 % | 02.06.2026 | |
| UBS key4 | 1.800 % | 24.05.2026 | |
| BVK | 1.820 % | 02.06.2026 | |
| PostFinance | 1.830 % | 15.05.2026 | |
| Bank EKI | 1.900 % | 02.06.2026 | |
| Glarner Kantonalbank (GLKB) | 1.990 % | 02.06.2026 | |
| Bank CLER | 2.200 % | 02.06.2026 | |
| Zürcher Kantonalbank (ZKB) | 2.250 % | 02.06.2026 | |
| Bank Avera | 2.380 % | 22.05.2026 |
Think property value and financing together
What does this rate mean for your financing?
The guide rate alone does not tell whether a property is affordable. In the mortgage calculator, you can combine purchase price, equity, costs and amortisation.
FAQ
Are these mortgage rates binding?
No. They are published guide rates, not personal offers. Banks may calculate differently depending on property, credit profile, equity and negotiation.
How is the average calculated?
Wertify uses the currently saved published guide rates from active providers for this term and calculates a simple average.
Why do providers differ?
Guide rates depend on product, term, market environment and provider strategy. A personal offer can still differ.