Comparison of mortgages in Switzerland.

Live in your dream property without breaking the bank: we compare mortgage offers from over 100 banks, insurance companies and pension funds and find the best conditions for you. You will receive comprehensive, independent advice on your initial mortgage or an extension of your mortgage's term.

Comprehensive comparison of mortgages

Over 100 financing partners in Switzerland

Big savings

CHF 3'000 per year on average

Independent advice

We would be happy to advise at one of our 30 or so Helvetia locations all over Switzerland

Compare Mortgages
SaveCHF 3'000per year

The current most attractive mortgage interest rates.

Saron mortgage from*

0.65%

Fixed-rate 10 years from

1.3%

Fixed-rate 5 years from

0.97%

* The value shown here for a SARON mortgage is made up of the current SARON (Swiss Average Rate Overnight) and the individual margin of the mortgage lender. Generally speaking, the interest rates shown are the best conditions currently available. Your personal interest rate may differ based on the loan-to-value ratio, affordability, mortgage volume and location of the property.

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Why is comparing mortgages worthwhile?

Interest payments on mortgages often take up a significant portion of household budgets. Comparing mortgages enables you to find the right mortgage at an attractive rate. Our clients save CHF 3,000 per year on average by comparing other mortgages against their initial deal.

CHF 800'000 mortgage with 10-year fixed rateInterest rateInterest rate per year
Compando interest rate*1.30%CHF 10'400
Indicative interest rate1.83%CHF 14'669
Annual savings with CompandoCHF 4'269

*The Compando interest rate shown is representative of a best case scenario. The interest rate you receive may differ.

Contact & Consultation. Find the right mortgage now.

Compando will help you find the right mortgage – independent and personal. We take into account not only attractive conditions, but also your pension and tax situation.

Request a mortgage consultation now.

Our door is open to you. We will provide you with personal and independent advice.

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Frequently Asked Questions about Mortgage Comparison

Find answers to the most common questions about comparing mortgages.

A mortgage comparison can save you thousands of francs over the term. The interest rate difference between different providers can be 1% or more.
For a mortgage of CHF 500,000 over 10 years, an interest rate difference of 0.5% already means savings of over CHF 25,000.
By comparing, you'll find not only the cheapest interest rate, but also the best conditions for your individual situation.
You can compare different mortgage models:
  • Fixed-rate mortgage: Fixed interest rate for 2-10 years
  • Variable mortgage: Interest rate adjusts to the market
  • SARON mortgage: Interest rate follows the reference rate
  • Libor mortgage: Similar to SARON (being phased out)
Each model has advantages and disadvantages. Our comparison helps you find the best solution for your needs.
You should compare your mortgage at least 6-12 months before the current term expires. This gives you enough time to:
  • Obtain various offers
  • Negotiate conditions
  • Switch providers if necessary
Even if your mortgage hasn't expired yet, regular checks are worthwhile – with large interest rate differences, even an early switch despite penalty fees can be profitable.
Yes, this is possible and even recommended! Many homeowners use tranching of their mortgage:
You divide the total mortgage into several tranches (e.g., 3 × CHF 166,000 for a CHF 500,000 mortgage) with different terms (e.g., 2, 5, and 10 years).
This spreads the interest rate change risk and allows you to benefit from currently favorable conditions with each renewal.
You can also take out tranches with different providers to benefit from the best conditions of each bank.
Your personal interest rate depends on several factors:
  • Loan-to-value ratio (LTV): More equity means better interest rates
  • Credit rating: Income situation and credit history
  • Mortgage model: Fixed, variable, or SARON
  • Term: Longer terms usually have higher interest rates
  • Market situation: Current interest rate trends
  • Negotiation skills: Good preparation pays off
With our comparison, you'll see the currently best offers for your situation.