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Everything you need to find your perfect mortgage

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Compare banks to find the best mortgage rates in your area. Our easy to understand comparison table let’s you choose to the view the Libor rate, variable rate and fixed rate mortgages on a 3, 5 and 10-year basis.

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The mortgage market explained

Find out more about the Swiss mortgage market

Swiss mortgages

Swiss mortgages have dropped to historic lows. In 2018, the economy is likely to grow by 1.8%. The Swiss National Bank (SNB) continues to concentrate on the development of the Swiss Franc at the forefront of the monetary policy and key interest rates are expected to remain at their current level.

Types of mortgages: fixed rate mortgages, variable rate mortgages, and libor mortgages

Types of mortgages

Specific mortgage products vary from lender to lender, but you can expect to find the following types of mortgage in Switzerland: fixed rate mortgages, variable rate mortgages, and Libor mortgages (linked to Libor, the global benchmark interest rate). Read more

How to obtain a mortgage and deposists required

How to obtain a mortgage

A minimum deposit of 20% of the purchase price or total loan amount is usually required. Of this, 10% must be put down in cash and the remaining 10% can be funded through other means, such as providing a pension as collateral.

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Frequently asked questions (FAQ)

Get answers to frequently asked questions about mortgages including the transaction procedure, the acquisition costs and more. Read more

Our calculators

How much can you borrow?

Banks will typically require that your monthly income is at least 3 times the amount required to repay the loan. They will often include maintenance and insurance charges in this calculation. Your mortgage and maintenance expenses should usually not account for more than a third of your gross household's annual income. Go to our mortgage calculator

Compare Swiss mortgage rates with our easy-to-understand comparison table

Calculate your monthly spending

Where does your money go each month? Work it out now with our list of items that will remind you of all your expenses. When you buy a property, it is important that you make sure that mortgage payments will fit in with your other monthly commitments. This mortgage budget planner will help you see what you can afford.
Go to our budget planner