# Buy house & take over the current mortgage **URL:** https://forum.mustachianpost.com/t/buy-house-take-over-the-current-mortgage/16439 **Category:** Real Estate **Created:** [June 4, 2025, 4:10pm UTC](https://forum.mustachianpost.com/t/buy-house-take-over-the-current-mortgage/16439 "2025-06-04T16:10:34Z") **Posts on this page:** 1 **Showing post:** 2
### Author: ![Ilixio](https://forum.mustachianpost.com/letter_avatar_proxy/v4/letter/i/edb3f5/32.png) [@Ilixio](https://forum.mustachianpost.com/u/Ilixio) #### Post date: [June 5, 2025, 6:17am UTC](https://forum.mustachianpost.com/t/buy-house-take-over-the-current-mortgage/16439/2 "2025-06-05T06:17:16Z")
I don’t know about the process, but 0.8% for 6 years is a pretty good deal I would say. You would probably get closer to 1% right now for the same duration, and SARON margin around 0.7%. So unless you really want a longer fixed-term mortgage like 10y (which will come at a significantly higher rate), I would take it. SARON isn’t going to be much better than that given the generally increased margins nowadays, but with significantly more interest rates risk. See [Mortgage rates in Switzerland [2025 edition]](https://forum.mustachianpost.com/t/mortgage-rates-in-switzerland-2025-edition/15453) for discussions about current rates. --- _[View the full topic](https://forum.mustachianpost.com/t/buy-house-take-over-the-current-mortgage/16439)._