A mortgage is a loan granted by a bank or financial institution to finance the purchase of a property. In Switzerland, it generally represents 80% of the purchase price.

Financing up to 80% of the property's value
Flexible repayment term
Competitive interest rates

Mortgage types

There are several types of mortgages in Switzerland, each with its advantages and disadvantages.

Fixed rate

Rate guaranteed for the entire contract term (2 to 15 years).

Variable rate

Rate that changes with the market, more flexible.

SARON mortgage

Based on the SARON reference rate, adjusted quarterly.

Interest rates

Mortgage rates vary depending on the chosen term and market conditions.

Current indicative rates

5-year fixed rate: around 1.5% - 2.0%

10-year fixed rate: around 1.8% - 2.3%

SARON: around 1.7% - 2.0%

How to choose your mortgage?

The choice of your mortgage depends on your personal situation and your plans.

Assess your risk tolerance to rate fluctuations
Consider how long you plan to hold your property
Compare offers from several institutions

Required documents

For a mortgage application, you'll need to provide several documents.

Proof of income (last 3 payslips)
Tax return for the last 2 years
Extract from the debt collection register
Documents relating to the property

Ready to compare offers?

Get a free comparison of the best mortgage rates in Switzerland.