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:
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Saron mortgages remain attractive
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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:
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Which bank offers you the best mortgage rate
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Whether a Saron or fixed-rate mortgage suits your needs
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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:
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Always compare mortgage offers
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Stay flexible and adapt to the current interest landscape
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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.
Our mission at IMMANO is to assist individuals and families with real estate sales and mortgage financing. We strive to offer independent solutions that meet your individual goals and desires. With a focus on transparency and unbiased advice, we strive to accompany you every step of the way regarding your property.
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