Online mortgage

Easy, convenient and inexpensive
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Do you want to replace your existing mortgage with another bank? Request an individual financing offer online now and benefit from the attractive interest rates on our online mortgages. Directly after entering your personal details, you will receive your personal interest rate offer.

Commendation for PostFinance mortgages

Users of the comparison service comparis.ch give PostFinance a good rating for its mortgage services.

PostFinance online mortgage: easy, convenient and inexpensive

  • Excellent terms

  • Take out an online mortgage at home

  • You will receive our interest rate offer directly
     

  • Print, sign and send the credit agreement

  • Benefit from an attractive interest rate: our 10 years fixed-rate mortgage is now available at a rate of 0.95% (best creditworthiness)

  • A quick and easy process

    We reserve the offered interest rate for the next 48 hours. If our offer appeals to you, you can print out your credit agreement yourself and send us the necessary documents. We will check your details. Just one working day after receiving them, we will send you a credit decision. It’s now as easy and quick as that.

    Preconditions

    • You are replacing a mortgage that you have taken out with another bank
    • The mortgage is for your own home (single-family home or owner-occupied flat)
    • You are employed or retired
    • The online mortgage amounts to max. CHF 1,000,000
    • The financing is included within the first mortgage, i.e. the online mortgage amounts to max. two thirds of the property value

  • Current interest rates

    Mortgage interest rates valid as of 26.10.2021

    TermInterest
    Term
    2 years
    		 Interest
    0.70%
    Term
    3 years
    		 Interest
    0.70%
    Term
    4 years
    		 Interest
    0.70%
    Term
    5 years
    		 Interest
    0.65%
    Term
    6 years
    		 Interest
    0.80%
    Term
    7 years
    		 Interest
    0.90%
    Term
    8 years
    		 Interest
    1.10%
    Term
    9 years
    		 Interest
    1.05%
    Term
    10 years
    		 Interest
    0.95%
    Term
    11 years
    		 Interest
    1.25%
    Term
    12 years
    		 Interest
    1.20%
    Term
    13 years
    		 Interest
    1.30%
    Term
    14 years
    		 Interest
    1.30%
    Term
    15 years
    		 Interest
    1.20%

  • To check your online mortgage application, we require the following documents:

    • A copy of your ID document (ID card or passport)
    • An up-to-date wage statement or pension statement
    • An up-to-date extract from the land registry
    • Photographs (interior, façade, surroundings)
    • The floor plan
    • For single-family homes: proof of cubature (buildings insurance/architect’s estimate)
    • For condominiums: condominium ownership regulations
    • Your latest mortgage interest statement
    • Pension fund statement (only for the use of second-pillar funds)

    • Enter your personal and property data.
    • Your personal interest rate is reserved for 48 hours – subject to a credit check
    • Print out, sign and send the agreement to PostFinance together with the required documents.
    • Credit check by PostFinance
    • Delivery of the credit commitment and the credit agreement signed by PostFinance
    • If, after successful registration, you wish to continue entering your request at a later date, you will find a tile in your e-finance account that will allow you to access your current request. Alternatively, you can use the “Enter request” button again. Then click on the login button at the top right to log in again.
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Your online mortgage

In just a few steps.
Check the preconditions (german)

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