Saron mortgage

Your mortgage for flexibility

With a Saron mortgage, you can benefit from low or falling interest rates thanks to the market-oriented interest rate. If you expect interest rates to rise, you can easily switch to a fixed-rate mortgage.

Saron mortgage: interest adjustment every three months

  • Pay less when interest rates fall

  • Fast online access to your personal offer

  • Free consultation

  • Term: 3 years

  • Switch flexibly to a fixed-rate mortgage

The key points about the Saron mortgage at a glance

Current interest rate for the Saron mortgage

Interest rates for new business valid as of 08.10.2025 (09:15). 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
3 years
Interest rate
Compounded SARON® 3 months + from 1.00% margin 

How the Saron mortgage works

Calculate your mortgage and receive an offer

Check whether owning your own home is financially viable and receive your personal quotation – directly online or in a free consultation, with no obligation.

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.

  • The Saron mortgage is the right choice if you are willing and able to take the risk of interest rate fluctuations.

  • The Saron mortgage is market-oriented. The interest rate is adjusted accordingly if the reference interest rate (also known as the basic interest rate) rises or falls. This can be both an advantage and a disadvantage for you as a customer.

    With PostFinance, you have the option of converting your Saron mortgage into a fixed-rate mortgage at the end of the quarter. This means you can benefit from lower interest rates if interest rates are lower, or you can protect yourself against rising costs by switching to a fixed-rate mortgage if interest rates rise, so you can remain flexible throughout the Saron mortgage term.

  • 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)

  • You can amortize your Saron 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 your life insurance policies.

  • The interest rate is made up of two parts:

    • Compounded SARON: an average interest rate calculated from the daily SARON values over the respective interest period (usually three months).
    • Individual margin: a constant surcharge from the bank that remains the same throughout the term.
  • Yes, with PostFinance you can switch at the end of each quarter. This provides flexibility to respond to interest rate developments.

  • Yes, a combination with fixed-rate mortgages is possible to take advantage of both models. This can help to manage the interest rate risk.

Your next step towards a Saron mortgage

Calculate mortgage

Find out right away whether owning your own home is financially viable.

Create a quotation online

Create and download your own personal offer.

Free consultation

Find the right mortgage with us – in a branch, online or by phone.

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