MORTGAGE

Unlock the door to homeownership.
Our mortgage has the best Saron rates in Switzerland, provides a fully online application process and, with our calculator, you know upfront how your payments will look like.
*Note that the mortgage application process is only available in German and French. 

An orange glass made key
Your advantages

Mortgage calculator: estimate your mortgage online

Purchase price of the property
CHF 600’000.00
Own funds
CHF 200’000.00
Net annual income
CHF 100’000.00
Project
min. 20%
Mortgage (66.67%)
CHF 400’000.00
Own funds (33.33%)
CHF 200’000.00
Affordability
23%
Expenses / Income
66.67%
Congrats! You may apply for a mortgage
Monthly expenses
Interest: 1.58%CHF 526.67
AmortizationCHF 41.67
Maintenance: 0.75%CHF 375.00
TotalCHF 943.33
Current mortgage interest rates

The interest rates stated here are indicative guidelines and apply to first mortgages covering up to 80% of the market value of the property concerned. These interest rates are subject to market fluctuations and are adjusted on a daily basis.

Interest rates can be fixed free of charge up to 9 months in advance. Additional forward rates also apply; these are shown when an offer is created.

*Please bear in mind that the mortgage application process is only available in German and French.

Latest update of our rates: 10/29/2024
Fixed rate
Interest rate
to 10 years from:1.58%
to 9 years from:1.52%
to 8 years from:1.46%
to 7 years from:1.42%
to 6 years from:1.38%
to 5 years from:1.33%
to 4 years from:1.28%
to 3 years from:1.26%
to 2 years from:1.27%
SARON rate
Interest rate
to 3 years from:1.5%
to 1 year from:1.6%
The key to your dream home
Modern house
Estimate your mortgage

Use our online calculator to find out upfront whether you’re eligible for a mortgage and what your monthly expenses would be.

Formular
Open your account

Open your Swissquote account in a few clicks and in fewer minutes. Already a client? Login

Calendar
Submit your application

Apply for a mortgage and submit your application online. You shall receive an answer within only 2-3 working days.

You are all set
Sign the contract

Sign your new mortgage contract and send back it to us. That’s it! Welcome home!

Two Swiss powerhouses making your goals affordable
Mortgage

We have joined forces with Luzerner Kantonalbank, the leading bank in Canton Lucerne, to offer you the best mortgage interest in the country, attractive terms and the easiest application process out there. 

Conditions

To be able to apply for a Swissquote online mortgage, you must satisfy the following conditions:

Customer Care: your partners in satisfaction
Man on a call with a customer

Our dedicated Customer Care team is ready to ensure that your mortgage lives up to your expectations and available to answer all your questions. Reach out at hypo@swissquote.ch.

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