Fixed-rate mortgage

Your mortgage for planning security

A fixed-rate mortgage allows you to plan your finances reliably. The interest rate remains unchanged throughout your chosen term of 2 to 15 years. That way you can remain relaxed, even in a turbulent market environment.

Fixed-rate mortgage: budget with a fixed amount

Don’t pay more when interest rates rise
No surprises with your monthly costs
Fast online access to your personal offer
Free consultation
Secure interest rate up to 18 months in advance

Key points about fixed-rate mortgages in brief

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Current interest rates for fixed-rate mortgages

Interest rates for new business valid as of 29.10.2025 (09:15).

2 years from 1.05%
3 years from 1.05%
4 years from 1.15%
5 years from 1.23%
6 years from 1.29%
7 years from 1.36%
8 years from 1.42%
9 years from 1.48%
10 years from 1.53%
11 years from 1.61%
12 years from 1.65%
13 years from 1.69%
14 years from 1.73%
15 years from 1.75%

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.
The interest rate remains unchanged over the entire term. The interest rate remains unchanged over the entire term.

How a fixed-rate mortgage works

With a fixed-rate mortgage, you secure an interest rate for the term of your choice between 2 and 15 years. Even if the market situation changes, your interest rate remains the same throughout the agreed period. It means a fixed-rate mortgage is particularly attractive if interest rates are expected to rise in the medium to long term, or if you want to budget your costs with a fixed amount.
We can help you choose your mortgage. We can help you choose your mortgage.
Advantages and risks of a fixed-rate mortgage
Advantages:

Rising interest rates won’t lead to higher costs for you

You can plan with certainty and calculate your costs clearly

You can secure your interest rate up to 18 months in advance

Risks:

If interest rates fall, you can’t benefit from a lower interest rate straight away

If you wish to terminate or modify the contract before it expires, you may incur additional costs

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More details can be found in the The link will open in a new window Fixed-rate mortgage factsheet (PDF).

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Prices and conditions

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	CHF 100,000
Interest due date	Quarterly
Loan	Owner-occupied properties: max 80% of the property value Holiday properties: max 75% of the property value
Load	max. 33% of gross income
Account management	Free of charge with the Smart banking package CHF 5/month with the SmartPlus banking package

Other conditions, such as for any credit changes, can be found in the price list.

Services and prices for private customers (PDF) (PDF) The link will open in a new window

Questions and answers

A fixed-rate mortgage is the right choice 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, expected interest rate developments 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, where the interest rate changes periodically during the term based on market developments, the interest rate remains fixed for the chosen term. That’s 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.

PostFinance works with the following cooperation partners to provide financing services:

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

In our checklist, you will find an overview of the standard documents. Please feel free to contact our experts to clarify your individual situation so that we can assist you in obtaining your documents.

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

With PostFinance, you can choose a term of 2 to 15 years.

If you’re able to contribute more equity to finance your own home, for example, the risk for the lender is reduced, so you can generally expect a lower interest rate.

Yes, with PostFinance you can secure an interest rate for a fixed-rate mortgage up to 18 months in advance.

Yes, you can also terminate your mortgage before the end of the chosen term. Please note that early termination of the contract may result in costs.

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 retirement savings account 3a and your PostFinance retirement funds or a life insurance policy.

Our specialists will contact you in good time to secure the subsequent financing of your fixed-rate mortgage. Together, we will check if the mortgage still suits your current financial situation or if it would make sense to adjust it (e.g. a mortgage model switch).