Fixed-rate mortgage
Fixed interest rates and maximum planning security
The is the most popular in Switzerland. The reason is simple: it offers clear, predictable costs over the entire
But when is a fixed-rate mortgage worth it—and what should you look out for?
A fixed-rate mortgage is a mortgage with a fixed interest rate over an agreed term. This means that mortgage interest rates remain unchanged throughout the entire term, providing planning security with regard to financing costs. Fixed-rate mortgages are among the most popular types of mortgages in Switzerland. Learn more here: Fixed-rate mortgages in Switzerland
A mortgage loan model describes the type of interest rate structure and term of a mortgage, such as Fixed-rate mortgage,SARON mortgage, or variable-rate mortgage. Transparent models make it easier to compare options and help you consciously manage interest rate risk and ensure planning certainty. Find more information here about mortgages with long terms: 10-year fixed-rate mortgage
The term of the mortgage refers to the period for which a mortgage is taken out under the agreed terms. Depending on the type of mortgage, the term can range from a few months to many years. The choice of term affects, among other things, the interest rate, planning security, and the flexibility of the financing.
Definition
Fixed-rate mortgage
With a fixed-rate mortgage, the is fixed for a predefined term. This means: The interest rate remains unchanged for the entire term. You are protected against rising interest rates, and your costs are predictable.
Typical terms range from 2 to 10 years, although longer terms are sometimes possible.
Target audience
Who is a Fixed-rate mortgage suitable for?
A fixed-rate mortgage is particularly suitable for:
- Security-conscious homeowners
- People with a clearly defined budget
- Borrowers who expect interest rates to rise
- Buyers who prioritize stability over flexibility
- Homeowners who don’t want to “constantly” worry about their Mortgage
In short: If you value planning security over maximum flexibility, a fixed-rate mortgage is the right choice.
Pros and Cons
What You Need to Know
Advantages of a fixed-rate mortgage
Disadvantages of a fixed-rate mortgage
Frequently Asked Questions
Answers about fixed-rate mortgages
The term of a fixed-rate mortgage is typically between 2 and 10 years. Depending on the provider, longer terms are also possible. There are very few providers that offer terms longer than twenty years. Truly long-term mortgages are primarily available from insurance companies.
Learn more about different mortgage terms here
10-year fixed-rate mortgage | 5-year fixed-rate mortgage | Saron mortgage
A fixed-rate mortgage is particularly worthwhile if:
- interest rates are expected to rise
- a stable budget is important
- you don’t want to take on interest rate risk
- you’re looking for security and “peace of mind”
Yes, but usually only in exchange for a so-called Repayment penalty. Depending on the remaining term and interest rate trends, this can amount to several thousand to tens of thousands of francs.
Tip
On HYPOTHEKE.ch, there are providers that allow you to cancel a fixed-rate mortgage free of charge during the term if you sell the property. You can see the cancellation option directly in the comparison when you enter your details at.
You can find the best fixed-rate mortgage by using a Mortgage platforms allow you to transparently compare interest rates and terms. In our opinion, this is the easiest way. Give it a try: app.stage.hypotheke.ch
Digital Mortgage Comparison in Switzerland
A digital mortgage comparison tool allows you to compare offers from different providers online. Especially when it comes to mortgage interest rates, fees, and terms, a digital online mortgage comparison helps save time and identify better financing options. Mortgage platforms are ideal for comparing mortgages.
Interest rates vary, for example, depending on:
- Providers (bank, insurance company, Pension fund)
- Competitive landscape among providers
- Term of the Fixed-rate mortgage
- Customer’s financial situation
- Type and location of the property
That’s why it’s especially worth comparing rates. In the mortgage rate comparison by HYPOTHEKE.ch, the difference between the most expensive and the cheapest provider is regularly more than 0.5 percent. Those who also negotiate well or use a like HYPOTHEKE.ch to , can further increase the interest rate advantage and save even more money.
An online mortgage platform allows you to calculate mortgage rates digitally, compare mortgages, and, depending on the provider, apply for one directly. The advantages include transparency, a wide selection of providers, and the ability to quickly compare mortgage rates. This transparency also helps ensure low interest rates. Would you like to get the best interest rates on your Mortgage? Use our tool:
Yes, some providers now offer digital applications. Through a mortgage platform, you can compare fixed-rate mortgages even more easily and apply online. The chances of finding the very best interest rate through a mortgage platform are high. At bank branches, the process is often tedious and time-consuming; you have to negotiate and play mortgage lenders off against each other to get the best rate. Many homeowners find this unpleasant.
If you want good interest rates, use a platform like HYPOTHEKE.ch:
Choosing the Right Term
Fixed-rate mortgage terms
Many homeowners divide their Mortgage into several with different terms—so-called
Benefits
- Reduction of
- not the entire Mortgage becomes due at once
- more flexibility when
Disadvantages
- are usually more expensive
- Staggered payments can lead to higher costs in the long term
- Limited ability to switch providers and thus little "bargaining power"
Before you refinance your Fixed-rate mortgages, read this article covering all the benefits and risks: Refinancing mortgages
With a stepped mortgage, the total mortgage is divided into several tranches with different Terms. This means the mortgages do not all mature at the same time, which can reduce the risk of interest rate fluctuations when performing an Extension. Many bank advisors recommend this approach. The problem: When performing the Extension on the first tranche, you as the customer are tied to the respective financial institution and must, in effect, accept whatever interest rate is offered. Read more here: Should you stagger your Fixed-rate mortgage or not?
Interest rate risk refers to the risk of rising or fluctuating mortgage interest rates. It can be reduced with Fixed-rate mortgages,forward mortgages, or a tailored mortgage strategy—often at the expense of missing out on the lowest possible interest rates.
Long-term fixed-rate mortgages refer to terms of ten years or more. The ten-year fixed-rate mortgage is one of the most popular Mortgage loan models in Switzerland. Longer terms are relatively rare. They are often offered by insurance companies on favorable terms. The major drawback is the high cost of early termination of the mortgage. If general interest rates remain low or fall, you end up paying significantly too much with a long-term mortgage.
Mortgage refinancing
Stepped mortgages can easily turn into a risky obstacle course.
Break Free from Your Contract
Mortgage Without Repayment Penalty
Is that even possible? Yes—in certain cases.
Some offer special plans that allow for is possible free of charge or for a flat fee—though early termination is usually subject to conditions, such as the sale of the property.
However, these offers are rather rare. They almost never come from banks, but rather from or
Is an early termination right expensive?
No, that’s not necessarily the case. On HYPOTHEKE.ch, you can see whether early termination of the Mortgage is possible with each provider and under what conditions. In many cases, these are very attractive offers in terms of interest rates. Although rare, we usually have two to five offers available on our platform that allow for early termination.
Mortgage providers include banks, insurance companies,Pension funds, or other mortgage lenders that grant mortgages. Since interest rates, approval criteria, and processes vary widely, it’s worth comparing several providers. A comprehensive Mortgage rate comparison can be done online in just a few minutes at
Early termination of a fixed-rate mortgage means that the customer ends a current fixed-rate mortgage before the agreed term expires. In such cases, mortgage lenders typically charge a repayment penalty, as they may lose out on interest income due to the early termination. There are providers in Switzerland who, under certain conditions—such as the sale of the property—waive the repayment penalty. This is a very good solution for many borrowers. Read more here: Fixed-rate mortgage without repayment penalty.
A mortgage from an investment foundation is a real estate financing product provided by an investment foundation. Investment foundations invest pension fund assets in mortgages, among other things, and often offer attractive mortgage rates as well as long-term financing solutions. Because they typically do not have their own sales teams, mortgages from investment foundations can often only be arranged through mortgage platforms. HYPOTHEKE.ch collaborates with several investment foundations and applies for some of them.
Break free from the ties
Fixed-rate mortgage with no repayment penalty—the best of both worlds.
Mortgage
It pays to compare
There are significant differences between providers:
- Interest rates vary widely
- Terms and conditions differ
- Special solutions are often hidden
A comparison using a Mortgage platform shows you:
- the best
- providers that suit your situation
- true market transparency for mortgages
HYPOTHEKE.ch is Switzerland’s largest online Mortgage platform.
You can find more information about mortgage platforms here:
Take out a mortgage through a platform.
Mortgage with the Best Interest Rate
The Mortgage with the best interest rate isn’t always the first offer you see, but rather the one with a low interest rate, suitable terms, and transparent fees. A comprehensive comparison of mortgage providers’ interest rates increases your chances of saving money. For a personalized calculation of offers, you can use mortgage marketplaces such as HYPOTHEKE.ch.
Our current top interest rates
| Festhypothek 1 Jahr | 0.906 % |
| Festhypothek 2 Jahre | 1.000 % |
| Festhypothek 3 Jahre | 1.010 % |
| Festhypothek 4 Jahre | 1.060 % |
| Festhypothek 5 Jahre | 1.110 % |
| Festhypothek 6 Jahre | 1.180 % |
| Festhypothek 7 Jahre | 1.160 % |
| Festhypothek 8 Jahre | 1.210 % |
| Festhypothek 9 Jahre | 1.270 % |
| Festhypothek 10 Jahre | 1.320 % |
| Festhypothek 11 Jahre | 1.360 % |
| Festhypothek 12 Jahre | 1.400 % |
| Festhypothek 13 Jahre | 1.650 % |
| Festhypothek 14 Jahre | 1.680 % |
| Festhypothek 15 Jahre | 1.710 % |
| SARON Hypothek (Marge) | 0.750 % |
Information on the best mortgage rates from HYPOTHEKE.ch
The rates on our Mortgage platform are updated hourly by our Mortgage lenders. The “starting at” rates / top rates displayed here are offered by at least one provider on HYPOTHEKE.ch. These represent the best possible Mortgage interest rates currently available. Individual rates ready for closing depend on various parameters such as Loan-to-value ratio, Affordability, property value, region, and other factors, and may differ from the rates displayed here.
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