Basel, 07.06.2025

Mortgage Basel: Why the Swiss Real Estate Market in 2025 Offers New Opportunities

The real estate market in Switzerland has transformed fundamentally over the past 20 years. What was once a niche investment is now a firmly established asset class. At IMMANO in Basel, we are seeing continued strong demand for home ownership. At the same time, recent interest rate developments are opening up fresh opportunities for anyone planning to take out or refinance a mortgage in Basel.

A Look Back: How Real Estate Became a Top Investment Choice

Until a few years ago, Swiss real estate funds and stocks were considered secondary by many investors. This changed after the 2008/09 financial crisis. Pension funds, foundations, and institutional investors significantly expanded their real estate exposure – including in Basel. Another milestone was the integration of real estate as a standalone sector in the Global Industry Classification Standard (GICS). Today, real estate investments are considered stable, income-generating, and inflation-resistant.

Sustainability and ESG Are Becoming the Standard

Beyond returns, ESG (Environmental, Social, Governance) criteria are increasingly influencing investment decisions. Investors are focusing more on energy efficiency, carbon footprints, and social responsibility. In the Swiss real estate market, ESG-compliant properties are receiving better financing conditions. This also affects how banks assess applications for mortgages in Basel.

Interest Rates for Mortgages in Switzerland: Declines Create Opportunities

Mortgage interest rates in Switzerland have declined further in recent months. The drop has been most significant for short- and medium-term fixed-rate mortgages. Two-year and five-year fixed mortgages are at multi-year lows, averaging 1.12% and 1.25% respectively. But even the 10-year fixed mortgage is becoming more attractive again, currently averaging around 1.62%.

This trend is particularly relevant for homeowners in Basel. Anyone looking to renew or initiate a mortgage can benefit from these lower rates. At IMMANO, we compare offers daily from banks, insurance companies, and pension funds – including many providers based in Basel.

Compare Mortgages in Basel: Now Is the Time to Act

With the Swiss National Bank (SNB) expected to lower interest rates further, it is an ideal time to run a mortgage comparison. At IMMANO, your trusted local expert for mortgages in Basel, we help you secure the best possible terms. Our extensive network gives us insight into the lending criteria of many banks in Basel, allowing us to provide tailored solutions.

Use our mortgage calculator to get an initial overview of your financing options. Our experts offer personalized, neutral, and free consultations.

Conclusion: 2025 Is a Great Year to Review Your Mortgage in Basel

Falling interest rates, a growing focus on sustainable investments, and the long-term stability of the Swiss real estate market make 2025 a smart time to consider financing options. The 10-year fixed-rate mortgage currently offers an excellent balance between planning security and low costs.

Get in touch with IMMANO in Basel and explore your possibilities. With the right partner by your side, the perfect mortgage is just one step away.