Compare 5 years mortgage rates
Compare published guide rates for 5 years. The data shows average, range and development of saved provider values.
Average development for 5 years
The trend indicator is based on the latest saved published rates and is not a forecast.
Average
1.632 %
Lowest published guide rate
1.300 %
Highest published guide rate
1.920 %
Providers
28
Provider comparison for 5 years
| Provider | Rate | Updated | Trend |
|---|---|---|---|
| Hypomat by Glarner Kantonalbank | 1.300 % | 02.06.2026 | |
| Swissquote | 1.340 % | 02.06.2026 | |
| UBS key4 | 1.340 % | 24.05.2026 | |
| Vaudoise | 1.380 % | 02.06.2026 | |
| Aargauische Pensionskasse | 1.400 % | 02.06.2026 | |
| BVK | 1.490 % | 02.06.2026 | |
| Bank EKI | 1.500 % | 02.06.2026 | |
| PostFinance | 1.500 % | 15.05.2026 | |
| Baloise Online | 1.510 % | 02.06.2026 | |
| Appenzeller Kantonalbank (APPKB) | 1.550 % | 02.06.2026 | |
| AXA | 1.570 % | 02.06.2026 | |
| AEK Bank | 1.650 % | 02.06.2026 | |
| Migros Bank | 1.650 % | 02.06.2026 | |
| Zuger Kantonalbank (ZugerKB) | 1.650 % | 02.06.2026 | |
| Glarner Kantonalbank (GLKB) | 1.670 % | 02.06.2026 | |
| Bank SLM | 1.690 % | 02.06.2026 | |
| acrevis | 1.700 % | 02.06.2026 | |
| Bank Thalwil | 1.730 % | 02.06.2026 | |
| Raiffeisen | 1.740 % | 15.05.2026 | |
| Alpha Rheintal Bank | 1.750 % | 16.05.2026 | |
| Baloise Bank | 1.770 % | 16.05.2026 | |
| Bank CLER | 1.770 % | 02.06.2026 | |
| Zürcher Kantonalbank (ZKB) | 1.780 % | 02.06.2026 | |
| St.Galler Kantonalbank (SGKB) | 1.800 % | 02.06.2026 | |
| Hypothekarbank Lenzburg | 1.820 % | 24.05.2026 | |
| Valiant | 1.840 % | 02.06.2026 | |
| Bank Avera | 1.890 % | 22.05.2026 | |
| Generali | 1.920 % | 02.06.2026 |
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.