The most favorable terms for your mortgage

Do you want to realize your dream of owning your own home? Thanks to our more than 100 financing partners, we find the most favorable rates for your mortgage.

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Current mortgage rates

Libor mortgage from


Fixed-rate 10 years from


Fixed-rate 5 years from


The displayed interest rates are the best rates currently available. Your personal interest rates may vary depending on LTV, affordability, mortgage amount and the location of the property.

Calculate your personalized rates

How much rent do you pay per month?

CHF 1500

You can afford:

CHF 500'000

Based on CHF7'500 monthly income Select your monthly rental payments by using the slider. Now you will see a guideline value for the maximum purchase price that you can afford when buying a property. The calculation is based on the assumption that your loan-to-value ratio is 80%, which means that you are able to finance 20% of the purchase price via your own funds.

Our calculators

  • Purchase price calculator
    Get a guideline value for the maximum purchase price of a property based on your gross income and your own funds.
  • Refinancing calculator
    Learn how much you can save when refinancing an existing mortgage.
  • Buy or rent calculator
    Learn whether you can save money by buying a property or if renting an apartment or house makes more sense in your situation.
  • Amortization calculator
    Learn whether an amortization of your mortgage offers a financial benefit.

Get the best mortgage in 3 easy steps

  • 1. Contact us

    After the first contact, your personal advisor reviews your property project.

  • 2. Get advice

    Together we find the optimal financing solution for your dream home.

  • 3. Sign the contract

    We take care of all the paperwork and answer any questions you might have, even after the signing of the contract.

Fixed-rate mortgage
In a fixed-rate mortgage, the mortgage holder and the borrower agree on an interest rate that remains the same over the entire term of the mortgage. Although the borrower does not benefit from falling interest rates, he also does not have to bear any additional costs if interest rates rise. This guarantees a high degree of financial planning security.
Fixed-rate mortgage
Libor mortgage
The Libor mortgage is based on the London Interbank Offered Rate, i.e. the interest rate at which financial institutions lend money to each other. The bank sets its margin on this interest rate, resulting in the actual interest rate for the borrower. The Libor mortgage is adjusted to the current Libor rate every 3, 6 or 12 months, depending on the contract. Although the borrower can benefit from a falling Libor, a rising Libor can also lead to additional costs.
Libor mortgage
Variable-rate mortgage
The variable-rate mortgage is the most expensive of the three types of mortgage in the current low interest rate environment and is normally only used for short-term interim financing. The variable-rate mortgage has no fixed term, it is only subject to a period of notice.
Variable-rate mortgage

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Tools and information

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The MoneyPark mortgage advice offers you a comprehensive mortgage comparison that helps you identify which mortgage best suits your needs and offers you the highest savings. It is advantageous to know some mortgage terminology and the differences between different mortgage models when defining your optimal mortgage strategy. Our mortgage advice helps you understand the different mortgage models which are called fixed-rate mortgage,LIBOR mortgage and variable-rate mortgage. Fixed-rate mortgages usually have a term of one to ten years and the interest rate is fixed for the duration of the mortgage. Due to the fixed interest rate, the mortgage borrower won’t benefit from falling interest rates, but more importantly, won’t suffer a disadvantage from increased interest rates. In addition, the fixed interest rate provides a high level of budget security for several years. Our mortgage advice considers all of your personal requirements when looking for the optimal mortgage model. The LIBOR mortgage consists of a fixed margin of the bank and the LIBOR interest rate (the rate at which banks lend money to each other in the short term). Since both the margin of the bank and the LIBOR rate are known to the mortgage borrower, the LIBOR mortgage is a very transparent mortgage model. In contrast to a fixed-rate mortgage, the mortgage rates are not fixed, which is why the mortgage borrower can benefit but also suffer a disadvantage from changing market interest rates. Protection against a strong increase of the market interest rate provides a fee-based interest rate ceiling, also known as «cap». Variable-rate mortgages often do not have a fixed term and usually have a cancellation period of three to six months, which is why the variable-rate mortgage is the most flexible of mortgage models. But this flexibility has its price: a variable-rate mortgage is usually the most expensive financing option. For variable-rate mortgages, the bank adjusts the interest rate of the mortgage in line with the interest rate levels on the capital markets. With the MoneyPark mortgage comparison you can check the current mortgage rate development on the mortgage rate history page. However, the process of adjusting the rates isn’t subject to regulated guidelines, which is why the variable-rate mortgage is not considered a transparent mortgage model. Someone looking for a mortgage should also know the expressions loan-to-value ratio and affordability. Loan-to-value ratio is the ratio between the amount of the mortgage and the property value. The ratio between the mortgage borrower’s gross income and the expenditure for the property is called affordability. Use our mortgage calculator to calculate your personal loan-to-value ration and to check if you can afford the respective property. You can find more detailed MoneyPark information about mortgages and our mortgage comparison in the Information – Mortgages section.