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.

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You will receive SmartPoints in our new bonus programme when you take out a mortgage and every fourth interest payment per year.

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
Collect SmartPoints in the bonus programme By registering for the SmartPoints bonus programme from PostFinance, you will receive points when taking out a mortgage and for interest payments. You can convert the points into money and have them paid out to your account.

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 29.05.2026 (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.

Term	Interest rate
Term 3 years	Interest rate Compounded SARON® 3 months + from 1.00% margin

How the Saron mortgage works

More details can be found in the The link will open in a new window Saron 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 residence in Switzerland Swiss citizens and foreigners with a B or C permit
Minimum amount	CHF 100,000
Interest due date	Quarterly
Loan-to-value ratio	Owner-occupied properties: max. 80% of the property value Holiday properties: max. 75% of the property value
Financial burden	max. 33% of gross income
Account management	Free of charge with the Smart banking package CHF 5 per month with the SmartPlus banking package

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

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.

You don’t need an additional app for the bonus programme. You can find it in the The link will open in a new window PostFinance App or in your The link will open in a new window e-finance. You can register for the bonus programme easily and free of charge on these two platforms. Once you have registered, you will receive SmartPoints when you take out a mortgage and every fourth interest payment per year. You will also receive SmartPoints for transactions and other product deals. You can convert your SmartPoints into money and have them paid out to your account as cashback.