Compare Mortgages in Switzerland

Compare the top mortgages providers in Switzerland — see cover, features and typical rates side by side.

Live offers

20 live offers compared from 20 providers, from 1.55% anfänglich. Updated daily.

ZKB SARON Hypothek CH ZKB Mortgage CH

1.55% anfänglich

  • Zinssatz: 1,55 % SARON (Referenzzinssatz)
  • Beleihungswert: 80 % LTV
  • Anfangszeitraum: Variable (SARON-verknüpft)
  • Hauptmerkmal: ZKB – Kantonalbank; Staatsgarantie; wettbewerbsfähiges SARON

Raiffeisen SARON Hypothek CH Raiffeisen Mortgage CH

1.60% anfänglich

  • Zinssatz: 1,60 % SARON (Referenzzinssatz)
  • Beleihungswert: 80 % LTV
  • Anfangszeitraum: Variable (SARON-verknüpft)
  • Hauptmerkmal: Raiffeisen – Genossenschaft; oft niedrigster SARON-Wert; Mitgliedervorteil

Swiss Life Hypothek CH Swiss Life CH

1.60% anfänglich

  • Zinssatz: 1,60 % (Saron + 0,75 % variabel)
  • Beleihungswert: 66 % LTV
  • Anfangszeitraum: Variable (Saron-verknüpft)
  • Hauptmerkmal: Swiss Life – rentengebundene Hypothek; Saron-M variabler Zinssatz; Lebensversicherungskombination

PostFinance Hypothek CH PostFinance CH

1.65% anfänglich

  • Zinssatz: 1,65 % (5 Jahre fest – wettbewerbsfähig)
  • Beleihungswert: 66 % LTV
  • Anfangszeitraum: 5 Jahre fest
  • Hauptmerkmal: PostFinance – Postbank; oft günstigster Zinssatz; unkomplizierte Online-Hypothek; Schweizerische Post

Raiffeisen Schweiz Hypothek CH Raiffeisen CH

1.68% anfänglich

  • Zinssatz: 1,68 % (5 Jahre fest)
  • Beleihungswert: 66 % LTV
  • Anfangszeitraum: 5 Jahre fest
  • Hauptmerkmal: Raiffeisen – Genossenschaft; über 3 Millionen Mitglieder; Öko-Hypothek (0,1 % Rabatt für Öko-Solaranlagen)

Migros Bank Hypothek CH Migros Bank CH

1.70% anfänglich

  • Zinssatz: 1,70 % (5 Jahre fest)
  • Beleihungswert: 66 % LTV
  • Anfangszeitraum: 5 Jahre fest
  • Hauptmerkmal: Migros Bank – Privatkundenbank; Treuerabatt für Mitglieder; Link zur Migros-Pensionskasse

ZKB Hypothek CH ZKB CH

1.72% anfänglich

  • Zinssatz: 1,72 % (5 Jahre fest)
  • Beleihungswert: 66 % LTV
  • Anfangszeitraum: 5 Jahre fest
  • Hauptmerkmal: Zürcher Kantonalbank – Staatsgarantie Zürich; ZKB Plus-Tarif für Rentner

Hypothekarbank Lenzburg Hypothek CH Hypothekarbank Lenzburg Mortgage CH

1.72% anfänglich

  • Zinssatz: 1,72 % (5 Jahre fest – oft der niedrigste Zinssatz)
  • Beleihungswert: 80 % LTV
  • Anfangszeitraum: 5 Jahre fest
  • Hauptmerkmal: Hypi – oft günstigster Festzins in der Schweiz; Spezialist für den Aargau; online

UBS Festhypothek CH UBS CH

1.75% anfänglich

  • Zinssatz: 1,75 % (5 Jahre fest)
  • Beleihungswert: 66 % LTV
  • Anfangszeitraum: 5 Jahre fest
  • Hauptmerkmal: UBS – größte Bank der Schweiz; Festhypothek + Saron-Optionen; Online-Antrag

Swissquote Hypothek CH Swissquote CH

1.78% anfänglich

  • Zinssatz: 1,78 % fest
  • Beleihungswert: Bis zu 80 % Beleihungswert
  • Anfangszeitraum: 10 Jahre
  • Hauptmerkmal: Digitalbank; wettbewerbsfähige Tarife

PostFinance Fixed Mortgage CH PostFinance Mortgage CH

1.78% anfänglich

  • Zinssatz: 1,78 % (5 Jahre fest)
  • Beleihungswert: 80 % LTV
  • Anfangszeitraum: 5 Jahre fest
  • Hauptmerkmal: PostFinance – digitale Hypothek; Schweizerische Post; wettbewerbsfähig 5 Jahre

HBL Mortgage CH Hypothekarbank Lenzburg CH

1.80% anfänglich

  • Zinssatz: 1,80 % fest
  • Beleihungswert: Bis zu 80 % Beleihungswert
  • Anfangszeitraum: 10 Jahre
  • Hauptmerkmal: Open-Banking-Pionier Aargau

Migros Bank Festzinsdarlehen CH Migros Bank Mortgage CH

1.82% anfänglich

  • Zinssatz: 1,82 % (5 Jahre fest)
  • Beleihungswert: 80 % LTV
  • Anfangszeitraum: 5 Jahre fest
  • Hauptmerkmal: Migros Bank – Einzelhandelsgruppe; Cumulus-Bonus; große Filialen

UBS Festzinshypothek CH UBS Mortgage CH

1.85% anfänglich

  • Zinssatz: 1,85 % (5 Jahre fest)
  • Beleihungswert: 80 % LTV
  • Anfangszeitraum: 5 Jahre fest
  • Hauptmerkmal: UBS – größte Bank in der Schweiz; Online-Hypothekenrechner; Bonus für nachhaltiges Bauen

Mobiliar Mortgage CH Die Mobiliar CH

1.85% anfänglich

  • Zinssatz: 1,85 % fest
  • Beleihungswert: Bis zu 80 % Beleihungswert
  • Anfangszeitraum: 10 Jahre
  • Hauptmerkmal: Schweizer Genossenschaftshypothek

Bankangestellter Hypothek CH Bank Cler CH

1.85% anfänglich

  • Zinssatz: 1,85 % fest
  • Beleihungswert: Bis zu 80 % Beleihungswert
  • Anfangszeitraum: 10 Jahre
  • Hauptmerkmal: Digital-First-Schweizerbank

BCV Festhypothek CH BCV Mortgage CH

1.90% anfänglich

  • Zinssatz: 1,90 % (5 Jahre fest)
  • Beleihungswert: 80 % LTV
  • Anfangszeitraum: 5 Jahre fest
  • Hauptmerkmal: BCV – Waadtländer Kantonalbank; Romandie-Spezialist

Baloise Mortgage CH Baloise CH

1.90% anfänglich

  • Zinssatz: 1,90 % fest
  • Beleihungswert: Bis zu 80 % Beleihungswert
  • Anfangszeitraum: 10 Jahre
  • Hauptmerkmal: Hypothek zwischen Versicherer und Bank

Bankangestellter Festhypothek CH Bank Cler Mortgage CH

1.95% anfänglich

  • Zinssatz: 1,95 % (5 Jahre fest)
  • Beleihungswert: 80 % LTV
  • Anfangszeitraum: 5 Jahre fest
  • Hauptmerkmal: Bank Clerk – digitale BKB; Basel-orientiert; Zak-App

Helvetia Mortgage CH Helvetia Mortgage CH

2% anfänglich

  • Zinssatz: 2,00 % (10 Jahre fest)
  • Beleihungswert: 80 % LTV
  • Anfangszeitraum: 10 Jahre fest
  • Hauptmerkmal: Helvetia – Versicherer; langfristige 10-Jahres-Sicherheit; Versicherungskombination

What is a mortgage in Switzerland?

A Swiss mortgage (Hypothek) finances the purchase of a home, typically covering up to about 80% of the property value, with the buyer providing at least 20% equity — of which a portion must be genuine savings rather than pension money. A defining Swiss feature is that mortgages are often not fully repaid: many borrowers only amortise down to two-thirds of value and keep the rest outstanding long-term, partly for tax reasons.

How the Swiss market works

Cantonal banks, Raiffeisen, UBS, Migros Bank and insurers like Helvetia compete on rates and terms, and pension funds also lend. Borrowers choose between fixed-rate mortgages (locking a rate for a set term), and SARON-based mortgages that track the Swiss reference rate. Affordability is tested on a theoretical imputed rate (commonly around 5%) so the loan remains sustainable if rates rise. The second-tier mortgage above two-thirds value must be amortised over time. Amortisation can be direct, reducing the loan itself, or indirect, paid into a Pillar 3a account pledged to the lender so the mortgage interest deduction and 3a tax benefit are both preserved. Buyers must also supply at least a fifth of the price as equity, and a defined portion of that must be genuine savings rather than withdrawn Pillar 2 pension assets. Fixed-rate deals lock certainty for a chosen number of years, while SARON mortgages track the reference rate and move with the market. Many borrowers split the loan into tranches with staggered maturities to balance rate certainty against flexibility and to avoid refinancing everything at once.

Benefits

Home ownership — Access property with a fraction of the price upfront.

Rate certainty — Fixed-rate deals lock your interest cost for years.

Tax efficiency — Mortgage interest is tax-deductible, encouraging partial repayment.

Product choice — Mix fixed tranches and SARON to balance certainty and flexibility.

How to choose

Weigh fixed versus SARON based on your rate outlook and risk appetite. Compare interest rates — currently broadly around 1.55% to 2% for many terms — plus the margin over SARON, term length and amortisation requirements. Check affordability against the theoretical rate, whether you can split the loan into tranches, and portability if you move. Also factor pension-fund (Pillar 2/3a) use for equity and the long-term tax treatment.

Leading providers in Switzerland

Cantonal banks like ZKB and BCV, cooperative Raiffeisen, UBS and Migros Bank are core mortgage lenders, with Hypothekarbank Lenzburg active online and insurer Helvetia offering competitive fixed rates. Pension funds and brokers add options. Rates and conditions vary, so comparing several lenders — and negotiating the margin — can save meaningfully over a multi-year term, especially on larger loans.

What it costs

The main cost is interest, currently in the region of 1.55% to 2% for popular fixed and reference-rate products, applied to the outstanding balance. SARON mortgages add a lender margin to the reference rate. Consider arrangement and property-valuation fees, plus notary and land-registry costs on purchase. Because loans are large and long, small rate differences and the choice of amortisation strongly affect lifetime cost.

Protections and regulation

Mortgage lenders are supervised by FINMA and follow self-regulatory affordability and equity guidelines requiring at least 20% down and amortisation of the second tranche. The theoretical-rate affordability test guards against over-borrowing. Consumer-protection and contract law govern terms, and early-repayment of a fixed mortgage typically incurs a break cost. Cantonal rules affect property taxes and transfer costs.

Common questions

How much deposit do I need? At least 20% equity, with a minimum share from genuine savings, not only pension assets.

Fixed or SARON? Fixed gives certainty; SARON can be cheaper but varies with the reference rate.

Must I repay it fully? Only down to two-thirds of value; the rest can remain outstanding long-term.

Mortgages in Switzerland — FAQ

What mortgage rate can I get in Switzerland right now?

Giraffy tracks 5 mortgage products across ZKB Mortgage CH,Raiffeisen Mortgage CH,Swiss Life CH,PostFinance CH,Raiffeisen CH lenders in Switzerland. Use the sort and filter controls to compare fixed versus variable rates and initial deal lengths.

What is the difference between a fixed-rate and a variable-rate mortgage?

A fixed-rate mortgage locks your interest rate for a set period — typically 2, 5, or 10 years — giving payment certainty. A variable rate moves with the central bank benchmark rate set by FINMA (Swiss Financial Market Supervisory Authority). Fixed rates suit those who want stability; variable suits those who expect rates to fall.

How much can I borrow with a mortgage?

Most lenders apply an income multiple — typically 4–5× your gross annual income for a conventional mortgage. Affordability assessments also factor in outgoings, existing debts, and the property's loan-to-value (LTV) ratio. A mortgage adviser or broker can run a full affordability assessment for free.

What is LTV (loan-to-value) and why does it matter?

Loan-to-Value (LTV) is the mortgage amount as a percentage of the property's value. A 90% LTV means you're borrowing 90% and putting down 10% as a deposit. Lower LTV means less risk for the lender — you'll typically be offered a lower interest rate with a deposit of 20–25% or more.

How long does mortgage approval take?

An indicative approval can usually be obtained the same day online. Full mortgage approval — after property valuation and underwriting — typically takes 2–6 weeks. Having all your documents ready (pay stubs, bank statements, ID) speeds up the process significantly.

Are there Islamic home-finance products available in Switzerland?

Sharia-compliant home-finance products structure the transaction without interest, typically through Murabaha (cost-plus financing) or Ijara (lease-to-own) arrangements. Check with individual lenders for availability in your market.

What fees are charged to set up a mortgage?

Lenders often charge arrangement, origination, or application fees to set up a mortgage — amounts vary by lender and market. You can usually add them to the loan, but you'll pay interest on them for the full term. For large loans, a higher-fee/lower-rate deal may be cheaper overall — compare total cost over the initial fixed period.