I am looking around for 10 Year fixed mortgage rates for a property. It seems there is a significant rates offered by Insurance companies like Zurich, Axa, Swisslife etc (0.77 - .85 %) vs. the banks like UBS, CS, Raiffeisen etc. (1.2 % 1.4%). Why would there be such a difference in the rates?
Given the significant cost savings over 10 years, is it recommended to go with the lowest cost provider in this case insurance companies?
Check the comparison between rates here: https://www.top-bank.ch/en/compare/mortgage-loans