Our Mortgage Comparison Now Even more Comprehensive

Additional mortgage interest comparisons are now available on Nexano.

Additional Fixed-Rate Mortgage Terms Available

Our mortgage interest rate comparison on Nexano compares the interest rates of over 70 Swiss mortgage providers several times a day. In addition to offers from leading Swiss banks, pension funds and insurance companies are also included. Additional comparison categories for fixed-rate mortgages are now available. All terms between 1-15 years can now be compared. Our interest rate comparison for SARON and variable mortgages remains available.

Fixed-rate Mortgages are the most Popular

With a fixed-rate mortgage, the interest rate is typically fixed for between 2 and 15 years. During this period, interest costs do not change, regardless of capital market developments. This offers security and predictability for homeowners.

Advantages of a Fixed-Rate Mortgage

• Budget Certainty: Monthly payments remain constant throughout the entire term.
• Protection against rising interest rates: If market interest rates rise during the term, the agreed interest rate remains unchanged.
• Simple Calculation: Household budgets can be reliably created long-term.
• Long-term Stability: Particularly interesting during periods of low interest rates to secure them long-term.

Disadvantages of a Fixed-Rate Mortgage

• Low Flexibility: Exiting before the term expires is usually only possible with high prepayment penalties.
• No advantage with falling interest rates: If market interest rates fall, you remain tied to the higher, fixed interest rate.

2-Year Term Currently most Affordable

Our comparison of fixed-rate mortgages across various terms shows that those looking to save money currently finance most affordably with 2-year fixed-rate mortgages. As of September 19, 2025, the best conditions are below the 1% mark. The following financing partners currently offer the most advantageous interest rates:

SARON Currently with Even more Savings Potential

Those who can or wish to forgo the security and predictability of a fixed-rate mortgage will currently find particularly attractive conditions in the area of SARON mortgages. The SARON mortgage is a mortgage whose interest rate is based on SARON (Swiss Average Rate Overnight). This reference rate is calculated daily based on actual transactions in the Swiss money market. As of September 18, 2025, SARON stood at -0.04% at market close. Our comparison of the best bank margins for SARON mortgages shows a range for the best conditions between 0.65% and 0.94%:

Swissquote, based in Western Switzerland, currently advertises particularly low SARON margins. According to the bank, headquartered in Gland, it aims to offer the best SARON conditions in Switzerland at the moment.

View all mortgage comparisons now: Mortgage Comparison Switzerland – Nexano – Compare everything.