Mortgage rates in Switzerland [2025 edition]

[Fliss]

I got my new SARON rate yesterday, 0.75% at AKB.

I didn’t negotiate or push, the difference wouldn’t be worth it I feel.

[tobh]

Any pointers on where you would get 0.2-0.4% and what kind of conditions would be tied to an offer like that?

[tobh]

Thanks. We didn’t go to deep yet, but only got an offer from BCGE for 0.55% if we put >10M with them and like you said Swiss banks are not really competitive (compared to IBKR). Zuger Kantonalbank was even worse and they know they have no attractive offers compared to our current IBKR setup. We currently rent (but have to get out) and sadly the market here in Zug is more in the multiple millions in mortgage range.