Taking out a mortgage: your path to home ownership explained simply
Is your dream home getting closer? We support you with your first mortgage. Compare 100+ providers live and secure financing that fits your life.
The current most attractive mortgage interest rates.
* 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.
How much house can I afford?
Use our mortgage calculator for a rough estimate of your maximum purchase price based on your available equity (20% rule).
Available equity (CHF)
CHF 130'000
Possible purchase price
CHF 650'000
This result assumes the standard 80% loan-to-value mortgage and 20% equity (minimum down payment).
Check affordability in detailYour first mortgage in 4 steps
How simple the path to your new home can be
- 1
Clarify needs & budget
Work out your equity (at least 20%) and review your household budget.
Go to mortgage calculator - 2
- 3
Choose a model
Fixed-rate mortgage for certainty or SARON for maximum potential savings?
Finance & move in
From negotiating terms to the notary appointment – we support you throughout.
Which mortgage model suits you?
Fixed-rate mortgage
- Fixed term (2–15 years)
- Maximum planning certainty
- No interest-rate risk
SARON mortgage
- Market-linked rate
- Historically often the cheapest option
- Flexible when switching
Variable mortgage
- No fixed term
- Short notice periods
- Rate adjusts with the market
Frequently asked questions
Short answers to the most important points about your first financing.