Mortgage interest rates

Get an overview of our current mortgage interest rates. For fixed-rate mortgages with terms of 2 to 15 years or the 3-year Saron mortgage.

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Fixed-rate mortgage interest rates

Interest rates for new business valid as of 02.04.2026 (09:15). The interest rates are standard rates for the best creditworthiness of owner-occupied home ownership. Data is given for information purposes only and is non-binding.

TermInterest rate
Term
2 years
 Interest rate
from 1.23%
Term
3 years
 Interest rate
from 1.27%
Term
4 years
 Interest rate
from 1.32%
Term
5 years
 Interest rate
from 1.37%
Term
6 years
 Interest rate
from 1.42%
Term
7 years
 Interest rate
from 1.47%
Term
8 years
 Interest rate
from 1.52%
Term
9 years
 Interest rate
from 1.57%
Term
10 years
 Interest rate
from 1.62%
Term
11 years
 Interest rate
from 1.67%
Term
12 years
 Interest rate
from 1.71%
Term
13 years
 Interest rate
from 1.76%
Term
14 years
 Interest rate
from 1.79%
Term
15 years
 Interest rate
from 1.80%
More on fixed-rate mortgages

Saron mortgage interest rate

Interest rates for new business valid as of 02.04.2026 (09:15). The interest rates are standard rates for the best creditworthiness of owner-occupied home ownership. Data is given for information purposes only and is non-binding.

TermInterest rate
Term
3 years
 Interest rate
Compounded SARON® 3 months + from 1.05% margin
More on Saron mortgages

Interest rate forecast

Our interest rate forecast gives you an in-depth analysis of the current economic situation and the projected interest rate performance.

Go to the interest rate forecast

Historical interest rate performance

Find out in the graphic below how interest rates for the three-, five- and ten-year fixed-rate mortgage have performed since 2003.

Mortgage interest rates in Switzerland stood at over 3 percent just three years ago. This was mainly due to the Swiss National Bank’s (SNB) more restrictive monetary policy, which was a response to the higher inflation rate in the wake of the coronavirus pandemic. In this environment, the SNB raised policy rates to 1.75 percent. However, inflation in Switzerland is now under control again, with the threat of even negative inflation rates. This means monetary policy is once again operating in a low interest rate environment. Mortgage interest rates have also fallen sharply and are now back at levels recently seen around the introduction of negative interest rates.

  • Firstly, external factors such as the economic situation and the Swiss National Bank’s (SNB) policy rate. Secondly, your personal financial situation, including your income, your affordability and your loan-to-value ratio.

  • During periods of lower interest rates, a fixed-rate mortgage with a fixed interest rate is useful for long-term planning security. The Saron mortgage is flexible and adapts to market conditions. When interest rates are middling or high and a reduction in interest rates is expected, the Saron mortgage is a good option. In addition to the current interest rate, the best model for you depends on your risk appetite and long-term plans.

    A comparison of our mortgage models

  • Yes, with PostFinance you can fix your interest rates for a future mortgage in advance. With our forward mortgage  you can secure the current interest rate for a later date. This gives you planning security and protects you from rising interest rates until the start of your mortgage.

  • The development of mortgage interest rates in Switzerland is influenced by various factors, such as the monetary policy of the Swiss National Bank (SNB), the economic situation and inflation. At PostFinance, we monitor market developments closely. You can find the latest interest rate forecasts and market analyses regularly in our publications and on our website.

    Go to the interest rate forecast

Easy access to your personal offer

Receive your personal, non-binding offer – tailored to your financial situation, your wishes and the current market situation.

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