They still say the SARON margin is 0.65%, the total rate seems high because they do some kind of averaging over the past trimester (they claim the SARON rate is 0.86%, I guess they haven’t updated the text yet because it doesn’t add up but 0.42% average for the first trimester seems correct to me). If the margin is really 0.65% it is still a good deal over time, but the calculated rate lags quite a bit.
They calculate it end of Marc, for which the displayed rate is correct. Next one will be end on June for the period Apr-Jun (see their FAQ).
I have a mortgage with them (Saron) and also somewhat disappointed by their 5y/10y rates as I was considering switching to a fixed one. Seem I will keep going with Saron, which if SNB goes to zero next time is still the best case short term at least.
To get better than a broker you need to negotiate directly with a bank. I saw an application with 1.13% for 10 years this week (I cannot share the bank’s name). Not saying anyone can get that rate but that leaves some margin compared to these offers.
They announced a pause, but will resume - there is another thread discussing it.
I also got 0.65% from VIAC with three years commitment, but then they dropped before we could finalize.
Current bank has 0.75%
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VIAC have opened up the mortgages again. I have a 0.65% margin on a 3 year SARON but I got this before the pause even though the mortgage only starts in July.
But I spoke to my advisor last week and he told me that they have opened up again but with a 150 CHF fee to study your file. This is because many people only wanted a rate from them to go negotiate with their current bank.
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