Refinance or Extend Mortgage

Switching providers can pay off when rates are low. Mortgage rates vary by term and provider, and even small rate differences can create a significant long-term financial impact. Comparing offers is worth it.

Refinance or Extend Mortgage

The current most attractive mortgage interest rates.

Saron mortgage from*

from 0.65%

Fixed-rate 5 years from

from 0.97%

Fixed-rate 10 years from

from 1.3%

* 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.

What is your next step?

Choose the right tool for your current situation.

Check affordability?

Not sure whether your financial situation still fits? Our calculator gives you clarity instantly.

Go to mortgage calculator →

Monitor rates?

Get an overview of today’s market rates. A strong advantage for your negotiations.

Go to rate comparison →

Calculate savings?

Ready for concrete numbers? Start the process and receive your top offer in just a few minutes.

Calculate mortgage rates now →

Why comparing in cash terms pays off

Adjust your mortgage amount and see live how much you save versus the market average.

CHF 800'000

Market Reference Rate

1.83%

CHF 14'669.- / year

VS

Compando Best Rate

1.30%

CHF 10'400.- / year

Your gain: CHF 4'269.- / year
Compare interest rates now

Get a better mortgage in 3 simple steps

Our process is designed to help you achieve maximum savings with minimal effort.

Provide the key details of your current mortgage in just a few minutes. Your request is discreet and non-binding.

The benefits of an independent comparison

Top conditions

Competition among providers helps you secure a strong rate.

Save money directly

Thousands of francs more in your budget thanks to better interest terms.

Optimise your strategy

Terms and tranches tailored to your life and plans.

Independent advice

Neutral and transparent – we work for you, not the bank.

Key questions about refinancing your mortgage

Answers to the most common questions on switching, timing and costs.

Ideally 12–18 months before expiry. Forward mortgages can help you lock in a rate.
A fee for exiting the contract early. We check whether switching still pays off despite the penalty.
Home banks often rely on customer inertia. A comparison shows you clearly better rates at other institutions.
It depends on your risk appetite and market expectations. We advise you impartially on both models.
Usually your payslip, current mortgage contract and property details. We guide you through the process.
Yes. We are remunerated by the providers. You pay no fees whatsoever.