The development of mortgage interest rates in Switzerland

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Current mortgage rates

*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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Property values have evolved too

Property values are on the rise in the past years. Check how much your property value has evolved with MoneyParks Immo-Cockpit.

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:

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:

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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