Compare your mortgage

Basel, 05. April 2025

Looking for a cheap mortgage? Why a mortgage comparison in Switzerland is more important than ever

In March 2025, the Swiss National Bank (SNB) lowered its key interest rate to 0.25% – the lowest level globally. Sounds like great news for homeowners and buyers, right?

Not so fast.

While it’s true that money market mortgages have become cheaper, fixed-rate mortgages are showing a very different trend. Despite the rate cut, mortgage rates in Switzerland have increased in some cases. Here’s what you need to know.

Saron vs. Fixed-Rate – what’s really cheaper now?

Saron-based mortgages are directly linked to the SNB’s rate and currently offer the cheapest mortgage option in Switzerland – some just above 1%. But fixed-rate mortgages, which are tied to longer-term market expectations (swap rates), have gone up due to global interest rate movements.

Result:

• Saron mortgages remain attractive

• Fixed-rate mortgages can cost you thousands more per year

If you’re about to renew or apply for a mortgage in Switzerland, don’t choose based on habit. You need a mortgage comparison to find the best deal.

A mortgage comparison could save you thousands

With a proper mortgage comparison, you’ll find out:

• Which bank offers you the best mortgage rate

• Whether a Saron or fixed-rate mortgage suits your needs

• How to lower your long-term financing costs

Right now, the difference between offers can easily amount to thousands of francs per year – especially on larger loan amounts.

Mortgage Switzerland 2025 – flexibility pays off

The Swiss mortgage market is shifting. If you just blindly renew your fixed-term mortgage, you might be overpaying massively.

But if you compare and strategize, you can still lock in a cheap mortgage, even in 2025.

Our advice:

• Always compare mortgage offers

• Stay flexible and adapt to the current interest landscape

• Don’t accept your bank’s offer without a second opinion

Looking for a cheap mortgage in Switzerland? Let’s compare – and save you money.