Mortgage interest rates

PostFinance offers attractive interest rates for fixed-rate mortgages with terms from two to 15 years and for the Saron mortgage with a term of three years.

Mortgage interest rates for new business valid as of 24.12.2024

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-year fixed-rate mortgage
 Interest rate
from 0.96%
Term
5-year fixed-rate mortgage
 Interest rate
from 1.10%
Term
10-year fixed-rate mortgage
 Interest rate
from 1.29%
Term
15-year fixed-rate mortgage
 Interest rate
from 1.40%
Term
3-year Saron mortgage
 Interest rate
Compounded SARON® 3 months + from 0.79% Marge

  • Mortgage interest rates for new business valid as of 24.12.2024

    Fixed mortgage

    TermInterest rate
    Term
    2 years
    		 Interest rate
    from 0.96%
    Term
    3 years
    		 Interest rate
    from 1.01%
    Term
    4 years
    		 Interest rate
    from 1.06%
    Term
    5 years
    		 Interest rate
    from 1.10%
    Term
    6 years
    		 Interest rate
    from 1.14%
    Term
    7 years
    		 Interest rate
    from 1.18%
    Term
    8 years
    		 Interest rate
    from 1.22%
    Term
    9 years
    		 Interest rate
    from 1.27%
    Term
    10 years
    		 Interest rate
    from 1.29%
    Term
    11 years
    		 Interest rate
    from 1.32%
    Term
    12 years
    		 Interest rate
    from 1.35%
    Term
    13 years
    		 Interest rate
    from 1.37%
    Term
    14 years
    		 Interest rate
    from 1.39%
    Term
    15 years
    		 Interest rate
    from 1.40%

    Saron mortgage

    Term
    3 years
    Interest period
    3 months
    Base interest rate + guide margin
    Compounded SARON® 3 months + from 0.79% Marge

  • Interest rate forecast

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

    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.

    Interest rates have returned to a normalized level after the sharp rise in 2022. Another negative interest rate environment is currently unrealistic.

    • 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

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