The right mortgage for you.
When you're taking out a new mortgage or extending the term of an existing one, Compando will help you navigate the maze of different lenders. Attractive conditions are one important aspect of our independent advice. We also take factors such as pensions and tax into account, to find the right mortgage for you.
We independently compare the conditions from over 100 lenders
You will save CHF 3,000 per year on average
Comprehensive analysis of pension and tax matters
We would be happy to advise at one of our locations all over Switzerland
What types of mortgage are there in Switzerland?
Generally speaking, Switzerland has three different models of mortgage that play a role in financing real estate: fixed-rate mortgages, SARON mortgages and variable-rate mortgages. Each of the three models has its pros and cons. You should only choose a particular mortgage model or combination of models once your individual financial requirements have been clarified in detail and a long-term strategy has been devised. The next step is to seek out offers from banks, insurance companies and pension funds.
Fixed-rate mortgage
- The term and interest rate are fixed in advance and remain the same until the term expires
- Terms from two to 20 years with no right to withdraw
- High degree of certainty in financial planning
SARON mortgage
- Interest rate is periodically adjusted to the reference rate (SARON)
- Minimum term of a few months up to three years
- Requires a certain degree of risk tolerance and capital reserves
Variable-rate mortgage
- The most expensive of the three forms of mortgage in the current low-interest climate
- No fixed term, only a notice period for ending the mortgage
- Used for short-term bridge financing in particular
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.
Request a mortgage consultation now.
Our door is open to you. We will provide you with personal and independent advice.
You might also be interested in this
Pillar 3a Maximum Contribution 2026 & the New Catch-Up Rules
Pillar 3a - Make more of your money & save taxes!
Savings Account, Funds, or Insurance? Comparing the 3a Options in Detail
