Mortgage rates in Switzerland

I don’t expect the interest environment to change to much, but personally I would still go with the 10-year fixed-rate mortgage because I like being able to plan ahead.

I’ve seen 10-year FRM rates of 0.75% at pension funds (the Bernische Lehrerversicherungskasse, in this case). So I would definitely recommend shopping around a bit more because you will be tied in for 10 years and the small difference can add up to a lot.

If you prefer a bank, Avantage Service (BCGE) quotes its lowest 10-year FRM at 0.84%, and that’s the lowest available as per this comparison (which does not include pension funds):

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