Fixed-rate mortgage

With a fixed interest rate

With a fixed-rate mortgage from PostFinance, you can protect yourself from rising interest rates. Throughout the selected term, the interest rate remains fixed.

Fixed-rate mortgage: costs can be calculated precisely

    • Protected against rising interest rates
    • Planning security through fixed interest costs
    • Term to maturity of two to 15 years
  • Secure interest up to 18 months in advance

  • Current interest rates for fixed-rate mortgages

    Interest rates for new business valid as of 14.10.2024. The interest rates are the standard rates for best creditworthiness when financing an owner-occupied residential property. Data is provided for information purposes only and is non-binding.

    TermInterest rate
    Term
    2 years
    Interest rate
    from 1.37% 
    Term
    3 years
    Interest rate
    from 1.39%
    Term
    4 years
    Interest rate
    from 1.41%
    Term
    5 years
    Interest rate
    from 1.43%
    Term
    6 years
    Interest rate
    from 1.46%
    Term
    7 years
    Interest rate
    from 1.49%
    Term
    8 years
    Interest rate
    from 1.51%
    Term
    9 years
    Interest rate
    from 1.54%
    Term
    10 years
    Interest rate
    from 1.57%
    Term
    11 years
    Interest rate
    from 1.61%
    Term
    12 years
    Interest rate
    from 1.62%
    Term
    13 years
    Interest rate
    from 1.64%
    Term
    14 years
    Interest rate
    from 1.67%
    Term
    15 years
    Interest rate
    from 1.65%

    Terms for interest rates

    All interest rates apply to first-class residential real estate and borrowers (best creditworthiness). Individual customer interest rates are set according to risk. This means that the loan-to-value and financial burden ratios for individual customers have an impact on the amount of interest payable.

    The interest rates for fixed-rate mortgages can be set up to a maximum of 18 months before payout. An interest surcharge may apply, depending on the notice period.

  • The prices and conditions apply both to initial financing and to the renewal or extension of a mortgage.

    Preconditions

    • Natural persons with a permanent domicile in Switzerland
    • Swiss citizens or foreigners with either a B or C residence permit 

    Minimum amount/loan

    • Minimum amount: CHF 100,000
    • Loan : max 80% of the property value for owner-occupied properties; max 75% of the property value for holiday properties

    Discount on Smart and SmartPlus banking packages

    If you take out your mortgage with PostFinance, you also benefit from a discount of CHF 5 per month on your banking package.

    You can find more information in our factsheets

    • A fixed-rate mortgage is the right choice for you if you like to budget with a fixed amount and expect interest rates to rise.

      When choosing a suitable term, you should bear in mind that this depends on various factors such as the current interest rates, your financial situation, the expected interest rate performance and your personal aspirations.

    • A fixed-rate mortgage allows you to protect yourself against rising interest rates and to calculate your costs clearly. Unlike the Saron mortgage, which is market-oriented, the interest rate remains fixed over the selected term. This is why a fixed-rate mortgage is particularly worthwhile when interest rates are low and are not expected to drop any more in the near future. If interest rates fall after you have taken out a mortgage, you will not be able to benefit from this with a fixed-rate mortgage.

    • You can read an assessment of the current economic situation and the projected interest rate performance in our consolidated interest rate forecast for mortgages. Please note that your personal interest rate depends on your affordability and loan-to-value ratio, as well as other factors.

      Go to the interest rate forecast

    • In our checklist, you will find an overview of the standard documents you need to apply for a fixed-rate mortgage. Please feel free to contact our experts to clarify your individual situation so that we can assist you as much as possible in obtaining your documents.

      The link will open in a new window Checklist for mortgage application (PDF)

    • You can amortize your fixed-rate mortgage directly (the capital amount of the mortgage is reduced) or indirectly (the capital amount of the mortgage remains unchanged) via your PostFinance retirement savings account 3a, your PostFinance retirement fund or life insurance policies.

    • PostFinance works with the following cooperation partners to offer financing services:

      • CredEx AG, Zurich
      • Münchener Hypothekenbank eG, Munich
      • Valiant Bank AG, Bern

Calculate mortgage

Use our mortgage calculator to work out your affordability and loan-to-value ratio. Find out right away whether your home is financially viable.

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Receive a personalized and non-binding quotation directly online.

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