Our best interest rates for your mortgage in July 2026
Review today's best available rates and discover how much you could save with our expertise.
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Which mortgage model is right for you?
Choosing a mortgage isn't just about finding the lowest number; it’s about aligning your financing with your lifestyle, your financial goals, and your willingness to take risks. At Strike Advisory, we help you navigate the complexities of the Swiss market to find the perfect fit.
It all depends on your profile and your plans
Whether you are buying your first home, building a property portfolio, or planning a future sale, your investor profile should shape your financing strategy. The right mortgage structure depends on your objectives, timeline, and tolerance for risk.
Understanding the mortgage models
Short-term fixed rate
Best for stability and precise budgeting
Lock in a defined interest rate for a fixed period and protect yourself from market volatility.
Long-term fixed rate
Best for long-term planning and maximum security
Secure your housing costs over an extended period, regardless of economic fluctuations.
SARON
Best for flexibility and market responsiveness
A money-market model where interest rates fluctuate in line with Swiss National Bank policy. Suitable for borrowers comfortable with market movements
How Strike Advisory makes the difference
The lowest rate on paper is not always the most advantageous solution. A slightly higher rate combined with flexible exit conditions or optimised amortisation terms can generate greater long-term savings and strategic flexibility.
The best rates from Swiss banks
Terms and conditions almost always apply to the rates advertised below.
For access to our full partner network and additional exclusive conditions, please contact our team of advisors.
| Bank | 5 years | 10 years | SARON |
|---|---|---|---|
| Axa | 1.47% | 1.55% | 0.76% |
| Bank Cler | 1.68% | 1.95% | 1.05% |
| Banque du Léman | 1.27% | 1.60% | — |
| Basler Kantonalbank | 1.48% | 1.75% | 1.15% |
| BCGE | 1.60% | 1.95% | — |
| BCVs | 1.58% | 2.12% | — |
| BEKB | 1.79% | 2.12% | — |
| Key4 | 1.44% | 1.72% | 1.13% |
| Migros Bank | 1.58% | 1.91% | 1.00% |
| Swiss Life | 1.16% | 1.41% | 0.66% |
| UBS | 1.35% | 1.63% | 1.06% |
| Valiant | 1.75% | 2.02% | — |
Evolution of interest rates by bank
Secure the best mortgage with expert guidance
How are interest rates trending over the long term?
The key interest rate is the main monetary policy instrument and is set by central banks. It serves as the general basis for market interest rates and defines the terms at which commercial banks can borrow money from the central bank.
SNB monetary policy
The Swiss National Bank currently holds its policy rate at 0%, maintaining it after several reductions made in response to persistently low inflation.
This stable approach follows a period of higher rates in 2024 and aims to provide predictability for borrowers and investors, helping to stabilise mortgage costs and financial planning in the Swiss housing market.
Secure the best mortgage
In contrast to banks and other financial institutions, a mortgage broker like Strike is completely independent. Because we are not attached to any particular bank, we have no reason to favour one financial institution over another. Also, because of our partnership with over 30 financial institutions, we have access to a large number of offers, while a bank will only be trying to sell you their own product. Therefore, we can always act in your best interest and find the solution that best fits your needs.
You can estimate your purchasing capacity with our online calculator. If you wish to obtain a precise and accurate answer, we will be pleased to study your file during an interview. The first appointment is totally free and without obligation. Do not hesitate to contact us.
A purchase involves two types of costs:
- The costs related to the deed of sale, including transfer duties, registration in the land register and the notary's fees
- Costs related to the mortgage note, including registration fees, the entry in the land register and the notary's fees.
The amount of all these fees varies according to the canton where the property is located.
A mortgage note is a piece of paper used as a guarantee for a mortgage loan. It assures the lending institution that the amount borrowed will be repaid. If the loan is not repaid, the mortgage note allows the lender to auction off the property acquired with the loan to recover the debt.
As a homeowner, your taxation is affected in two or three different ways (depending on the canton):
- The imputed rental value is subject to income tax. It is based on the income you could theoretically obtain if you were to rent out your property.
- Your property counts as wealth and is thus subject to wealth tax.
- Some cantons collect an additional property tax from owners.
Becoming a homeowner will have a big impact on your tax situation for many years to come. Do not hesitate to discuss this with one of our financial advisors.
You can in principle use all your 2nd pillar assets, but there are several restrictions (main residence vs. second home, only once every 5 years, minimal amount that must be withdrawn). In addition, specific restrictions apply if you are over 50.
Withdrawing your pension fund assets has a drastic impact on your pension situation (death, disability, retirement). It is therefore recommended to discuss this decision with a financial advisor.
Take the next steps toward your ideal mortgage
Securing a mortgage in Switzerland doesn't have to be stressful or bureaucratic. At Strike Advisory, we have streamlined the process into four simple steps to take you from your first plans to holding the keys to your new home.
We assess your borrowing capacity and define the right financing strategy for your situation.
We analyse and negotiate offers across banks, insurance companies and pension funds to secure the best conditions.
You receive a clear recommendation with a structured solution tailored to your goals and risk profile. We also review your pension and insurance coverage to ensure that, in case of disability or death, you and your family have the necessary protection to remain in your home.
We handle the paperwork, coordinate with the lender and notary, and support you until the keys are in your hands.
The Strike advisory advantage
Local expertise, personal touch
Benefit from comprehensive guidance, with personal consultations available at nearly 30 locations in Switzerland.
Trusted banking partners across Switzerland, giving you a comprehensive and competitive market overview.
Average annual savings achieved through our tailored mortgage advisory services.
Independent expertise extending beyond your mortgage to structure your long-term wealth.
Trusted banking partners across Switzerland, giving you a comprehensive and competitive market overview.
Local expertise, personal touch
Benefit from comprehensive guidance, with personal consultations available at nearly 30 locations in Switzerland.
Average annual savings achieved through our tailored mortgage advisory services.
Independent expertise extending beyond your mortgage to structure your long-term wealth.
Trusted banking partners across Switzerland, giving you a comprehensive and competitive market overview.
Local expertise, personal touch
Benefit from comprehensive guidance, with personal consultations available at nearly 30 locations in Switzerland.
Independent expertise extending beyond your mortgage to structure your long-term wealth.
Average annual savings achieved through our tailored mortgage advisory services.
Finding the right mortgage for you
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