Mortgage Interest Rates in March 2026: Find the Best Terms Here

Those currently looking to finance property or seeking a follow-up solution will find attractive mortgage terms in March 2026, as our mortgage comparison shows.

Interest Rates for Fixed-Rate Mortgages Are Falling

All trend indicators for fixed-rate mortgages with terms between 1 and 15 years have shown falling interest rates on Nexano in recent weeks. Average reference interest rates for 10-year fixed-rate mortgages fell by 0.12% in February across all providers included. As of March 4, 2026, the average reference interest rate stands at 1.66%.
The most favorable interest rates in our comparison are offered by Pensionskasse Asga at 1.33% for a 10-year fixed-rate mortgage. At the other end of the spectrum are Luzerner Kantonalbank, Raiffeisen, and Valiant Bank with an interest rate of 1.93%.

Short Terms with Financing Below 1%

For fixed-rate mortgages with terms up to 4 years, the most favorable offers currently range just below the 1% mark. Online platforms such as UBS Key4 and Hypomat.ch in particular are attracting customers with low advertised rates, in some cases around 0.85%—assuming excellent creditworthiness and a comparatively low loan-to-value ratio. Top terms are also currently being offered by some pension funds such as Schaffhauser PK and Crédit Agricole / Next Bank. It should generally be noted that some pension funds only grant mortgages to their own insured members.

Bargain Hunters with Risk Appetite Opt for SARON

Even better terms are currently available in the SARON mortgage segment. In the SARON mortgage comparison on Nexano.ch, Swissquote is currently leading the race. The Swiss bank offers SARON mortgages with a term of 3 years at an interest rate of 0.7%. Identical terms are also available from Bernische Pensionskasse (BPK). However, BPK only grants mortgages to its own insured members.

Why Comparing Terms Is Important

The current market overview for mortgages in March 2026 shows: The savings potential is enormous and the differences in terms are significant. Let’s use an example to illustrate this:

For financing of CHF 800,000, we take out a 10-year fixed-rate mortgage. Our comparison for March 2026 shows: The best offered terms are at 1.33%. The highest interest rates for 10-year mortgages are currently at 1.93%:

Potential savings over 10 years: CHF 78,880

Compare current mortgage interest rates now in our Mortgage Interest Rate Comparison on Nexano.ch