Interest rate forecast for mortgages
Extend your mortgage
The smart way to extend
Is your mortgage with PostFinance about to expire? Now’s a good time to optimize the financing of your own home, where possible. Find out the best way to plan the extension of your mortgage. We offer the ideal follow-on solution – simple and straightforward.
Extend your mortgage with PostFinance – it’s worth it
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Get your personal offer quickly
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Secure interest rate up to 18 months in advance
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Optimal adjustment of your mortgage
If your mortgage is nearing the end of its term (around one year before it expires), our specialists will contact you in good time to plan its continuation in the best way possible.
To determine the right time, we take into account the market situation and your current mortgage file. If interest rates are expected to rise, we check whether fixing the interest rate early, up to 18 months in advance, with a forward mortgage would make sense for you.
In our interest rate forecast, you’ll find our assessment of interest rate trends and developments on the mortgage and real estate markets.
You have the choice: whether by phone, online or in person, we’ll discuss whether your mortgage still suits your circumstances and/or is ideally designed for the current interest rate situation. The following options are available:
- Extend your mortgage 1:1: this is useful if your circumstances haven’t changed and you’d like to continue financing under the current conditions.
- Increase your mortgage: this makes sense if you’re planning renovation work and need financial resources to do so, for example.
- Adjust your mortgage: this makes sense if your circumstances or the market environment have changed. We check whether a change of model or term would optimize your costs.
As we already know your mortgage file, we can quickly make you a follow-up offer.
Once we have clarified all the questions on subsequent financing and you have decided on an offer, you’ll receive your new contract conveniently, and we’ll ensure a smooth extension.
And we will also be there for you after completion.
Good advice for extending your mortgage
We help you to get the most out of your mortgage and ensure that your effort is kept to a minimum.
FAQs on extending your mortgage – in simple terms
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We recommend that you consider extending your current mortgage approximately 12 months before it expires. This gives you enough time to check various options and find the right solution.
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With PostFinance, you can secure your interest rate up to 18 months in advance.
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No, your new interest rate will be based on current market conditions and your personal (financial) life situation.
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Yes, you can change both the term and model if you extend it.
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The question of whether it is worthwhile paying off your mortgage depends on various factors, such as your financial goals, the current interest rate situation and your other investment options. Tax considerations are also relevant here.
Read our blog “Direct and indirect mortgage amortization” to find out all you need to know about the advantages and disadvantages of amortization.
