The development of mortgage interest rates in Switzerland
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*The Saron value shown is composed of the current Saron overnight and the individual margin of the mortgage provider. Generally, the interest rates shown are the best rates currently available. Your personal interest rate may vary based on your loan-to-value ratio, affordability, mortgage volume and property location.
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Interest rate development
Our mortgage rate history tool shows you the development of mortgage rates for different mortgage models over the past years. The data originates from the Swiss National Bank and a market average we calculated.
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Interest rate trends for mortgages in Switzerland - MoneyPark
The interest rate trend of mortgages in Switzerland is an important factor for anyone who wants to finance a property. Interest rates influence the amount of the monthly instalments and the total cost of the mortgage. At MoneyPark you can find the best offers for your individual situation and benefit from our independent advice.
.How are interest rates for mortgages in Switzerland developing?
The interest rates for mortgages in Switzerland depend on various factors, such as the key interest rate of the Swiss National Bank (SNB), the economic situation, inflation and the international environment. The SNB controls the key interest rate to ensure price stability and support the economy. The key interest rate influences the interest rates for fixed-rate mortgages and variable-rate mortgages.
The main types of mortgages are:
- Fixed-rate mortgage: This mortgage has a fixed interest rate for a specific term, which can range from 2 to 25 years. The fixed-rate mortgage offers you planning security and protection against rising interest rates, but also less flexibility if your situation changes.
- Saron mortgage: This mortgage is linked to the Saron reference rate, which fluctuates daily. The Saron is an average overnight rate traded on the money market. The Saron mortgage offers you maximum flexibility and transparency, but also a higher interest rate risk.
- Variable mortgage: This mortgage does not have a fixed interest rate, but is adjusted by the mortgage provider at its own discretion. The variable mortgage offers you the opportunity to benefit from falling interest rates, but also a high interest rate risk.
The current top rate for a 10-year fixed-rate mortgage was 2.27% on 18 August 2023, while the Saron mortgage was 2.35% (including the provider's individual margin).
All top current interest rates from MoneyPark can be found here!
What is the interest rate forecast for mortgages in Switzerland?
The interest rate forecast for mortgages in Switzerland is based on an analysis of the current and expected interest rate situation and economic development. MoneyPark regularly prepares an interest rate forecast up to June 2025.
The interest rate forecast shows a moderate increase in mortgage rates over the next two years, but still at a very attractive level. Volatility is likely to remain high, especially due to the pandemic and geopolitical tensions.
How to benefit from low interest rates
To benefit from the low interest rates on mortgages in Switzerland, you should take the following steps:
- Compare different offers from over 150 mortgage providers at MoneyPark and find the best offer for your needs.
- Let our independent advisors advise you on the type of mortgage that best suits your situation. We take into account your financial goals, your risk tolerance and your life planning.
- Take advantage of the opportunity to optimise or extend your existing mortgage. We help you find the right strategy to benefit from low interest rates and save costs.
Contact us today and benefit from the low interest rates on mortgages in Switzerland. We look forward to hearing from you!
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