Mortgage interest rates

PostFinance offers attractive interest rates for fixed-rate mortgages with terms from two to 15 years and for the Saron mortgage with a term of three years.

Mortgage interest rates for new business valid as of 09.05.2025 (09:15)

The interest rates are standard rates for the best creditworthiness of owner-occupied home ownership. Data is given for information purposes only and is non-binding.

TermInterest rate
Term
2-year fixed-rate mortgage
 Interest rate
from 1.00%
Term
5-year fixed-rate mortgage
 Interest rate
from 1.09%
Term
10-year fixed-rate mortgage
 Interest rate
from 1.40%
Term
15-year fixed-rate mortgage
 Interest rate
from 1.73%
Term
3-year Saron mortgage
 Interest rate
Compounded SARON® 3 months + from 0.95% Marge

Mortgage interest rates for new business valid as of 09.05.2025 (09:15)

Fixed mortgage

TermInterest rate
Term
2 years
 Interest rate
from 1.00%
Term
3 years
 Interest rate
from 1.00%
Term
4 years
 Interest rate
from 1.04%
Term
5 years
 Interest rate
from 1.09%
Term
6 years
 Interest rate
from 1.15%
Term
7 years
 Interest rate
from 1.23%
Term
8 years
 Interest rate
from 1.29%
Term
9 years
 Interest rate
from 1.34%
Term
10 years
 Interest rate
from 1.40%
Term
11 years
 Interest rate
from 1.62%
Term
12 years
 Interest rate
from 1.66%
Term
13 years
 Interest rate
from 1.69%
Term
14 years
 Interest rate
from 1.71%
Term
15 years
 Interest rate
from 1.73%

Saron mortgage

Term
3 years
Interest period
3 months
Base interest rate + guide margin
Compounded SARON® 3 months + from 0.95% Marge

Interest rate forecast

Our interest rate forecast gives you an in-depth analysis of the current economic situation and the projected interest rate performance.

Historical interest rate performance

Find out in the graphic below how interest rates for the three-, five- and ten-year fixed-rate mortgage have performed since 2003.

Although interest rates for fixed-rate mortgages in Switzerland increased sharply in 2022 and the beginning of 2023 due to a rise in inflation and tightening of monetary policy, they had been declining for over a year and a half. However, the potential for interest rates for fixed-rate mortgages to fall further now appears limited.

  • Firstly, external factors such as the economic situation and the Swiss National Bank’s (SNB) policy rate. Secondly, your personal financial situation, including your income, your affordability and your loan-to-value ratio. 

  • During periods of lower interest rates, a fixed-rate mortgage with a fixed interest rate is useful for long-term planning security. The Saron mortgage is flexible and adapts to market conditions. When interest rates are middling or high and a reduction in interest rates is expected, the Saron mortgage is a good option. In addition to the current interest rate, the best model for you depends on your risk appetite and long-term plans.

    A comparison of our mortgage models

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