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
Saron mortgage interest rate
Interest rate forecast and development
Personal interest rate offer

Fixed-rate mortgage interest rates

Interest rates for new business valid as of 21.10.2025 (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.

Term	Interest rate
Term 2 years	Interest rate from 1.05%
Term 3 years	Interest rate from 1.05%
Term 4 years	Interest rate from 1.15%
Term 5 years	Interest rate from 1.23%
Term 6 years	Interest rate from 1.31%
Term 7 years	Interest rate from 1.38%
Term 8 years	Interest rate from 1.44%
Term 9 years	Interest rate from 1.50%
Term 10 years	Interest rate from 1.57%
Term 11 years	Interest rate from 1.67%
Term 12 years	Interest rate from 1.71%
Term 13 years	Interest rate from 1.75%
Term 14 years	Interest rate from 1.79%
Term 15 years	Interest rate from 1.81%

Saron mortgage interest rate

Term	Interest rate
Term 3 years	Interest rate Compounded SARON® 3 months + from 1.00% margin

Interest rate forecast and development

Interest rate forecast

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

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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.

In 2022, interest rates on fixed-rate mortgages climbed to just over 3 percent due to monetary policy measures to combat high inflation. They did fall sharply after the central bank’s change of course last year and briefly stood at well below 2 percent. However, there has since been slight upward pressure again. This development is partly due to more restrained bank lending. The decision to abolish the taxation of imputed rental value is unlikely to have much impact. We anticipate that the majority of fixed-rate mortgages will trend sideways over the next 12 months. Conversely, we expect a further decline in the 3-month Saron as we expect an additional reduction in policy rates, not at the next assessment on 11 December 2025, but only in March 2026.

Questions and answers

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.

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