Mortgage loan

Compare the best mortgage offers

In the comparative table below, we have ranked more than 600 mortgage offers from over 70 companies: banks, insurance companies, credit providers, investment funds. Whether you are looking for a new mortgage or a renewal, with a fixed, variable or Libor rate, you will quickly get an overview of the main providers in Switzerland. We would like to point out that the rates of the mortgage offers in our table will probably be different when you request an offer. It is therefore important that you ask for offers from several providers in order to get the best possible rate.


Mortgage loan criteria


CHF 700'000


Last updated: 04.05.2020
Rank Company Overview Rate Annual interest Link
1 Logo Retraites Populaires Prêt hypothécaire Rate
1.75 %
Annual interest
CHF 12'250
retraitespopulaires.ch
2 Logo Bernische Pensionskasse (BPK) Hypothèques Rate
2 %
Annual interest
CHF 14'000
bpk.ch
3 Logo Migros Bank AG Prêt hypothécaire Rate
2.25 %
Annual interest
CHF 15'750
migrosbank.ch
4 Logo Luzerner Kantonalbank AG Hypotheken Rate
2.45 %
Annual interest
CHF 17'150
lukb.ch
5 Logo Cantonal Bank of Basel Hypotheken Rate
2.5 %
Annual interest
CHF 17'500
bkb.ch
6 Logo Appenzeller Kantonalbank Hypotheken Rate
2.5 %
Annual interest
CHF 17'500
appkb.ch
7 Logo Cantonal Bank of Zurich ZKB Hypotheken Rate
2.5 %
Annual interest
CHF 17'500
zkb.ch
8 Logo Zurich Insurance Company Ltd Mortgage Rate
2.5 %
Annual interest
CHF 17'500
zurich.ch
9 Logo Allianz Suisse Insurance Company Ltd hypothèques Rate
2.5 %
Annual interest
CHF 17'500
allianz.ch
10 Logo Raiffeisen Switzerland Cooperative Hypothèques Rate
2.875 %
Annual interest
CHF 20'125
raiffeisen.ch
11 Logo Bank Cler Ltd Hypothèques Rate
2.625 %
Annual interest
CHF 18'375
cler.ch
12 Logo Cantonal Bank of Saint Gall Ltd Hypotheken Rate
2.75 %
Annual interest
CHF 19'250
sgkb.ch
13 Logo Graubündner Kantonalbank Hypotheken Rate
2.75 %
Annual interest
CHF 19'250
gkb.ch
14 Logo Obwaldner Kantonalbank Hypotheken Rate
2.75 %
Annual interest
CHF 19'250
owkb.ch
15 Logo Schaffhauser Kantonalbank Hypotheken Rate
2.75 %
Annual interest
CHF 19'250
shkb.ch
16 Logo Generali (Switzerland) Holding Ltd. Mortgages Rate
2.75 %
Annual interest
CHF 19'250
generali.ch
17 Logo Swiss Life Ltd Mortgages Rate
2.75 %
Annual interest
CHF 19'250
swisslife.ch
18 Logo VAUDOISE GENERAL, Insurance Company Ltd Prêts hypothécaires Rate
2.75 %
Annual interest
CHF 19'250
vaudoise.ch
19 Logo Credit Suisse (Switzerland) Ltd. Mortgages Rate
2.85 %
Annual interest
CHF 19'950
credit-suisse.com
20 Logo Glarner Kantonalbank Hypotheken Rate
2.875 %
Annual interest
CHF 20'125
glkb.ch
21 Logo Valiant Bank AG Hypothèque Rate
2.95 %
Annual interest
CHF 20'650
valiant.ch
22 Logo Nidwaldner Kantonalbank Hypotheken Rate
3 %
Annual interest
CHF 21'000
nkb.ch
23 Logo Alpha RHEINTAL Bank AG Alpha Hypotheken Rate
2.5 %
Annual interest
CHF 17'500
alpharheintalbank.ch
24 Logo Acrevis Bank AG Hypothek Rate
2.75 %
Annual interest
CHF 19'250
acrevis.ch
25 Logo AEK BANK 1826 Genossenschaft Hypotheken Rate
2.875 %
Annual interest
CHF 20'125
aekbank.ch
26 Logo Berner Kantonalbank AG Financement immobilier Rate
2.25 %
Annual interest
CHF 15'750
bekb.ch
27 Logo Basellandschaftliche Kantonalbank Hypotheken Rate
2.625 %
Annual interest
CHF 18'375
blkb.ch
28 Logo Schwyzer Kantonalbank Hypotheken Rate
2.5 %
Annual interest
CHF 17'500
szkb.ch
29 Logo Zuger Kantonalbank Mortgages Rate
2.5 %
Annual interest
CHF 17'500
zugerkb.ch
30 Logo Baloise Bank SoBa AG Hypothèque Rate
2.875 %
Annual interest
CHF 20'125
baloise.ch
31 Logo Banca dello Stato del Cantone Ticino Ipoteca (tihome.ch) Rate
2.84 %
Annual interest
CHF 19'880
bancastato.ch
32 Logo Bank Gantrisch Genossenschaft Hypothek Rate
2.75 %
Annual interest
CHF 19'250
bankgantrisch.ch
33 Logo Bank BSU Genossenschaft Hypotheken (hypoclick.ch) Rate
2.75 %
Annual interest
CHF 19'250
bankbsu.ch
34 Logo Bank EEK AG Eigenheimfinanzierung Rate
2.5 %
Annual interest
CHF 17'500
eek.ch
35 Logo Bank EKI Cooperative Hypothek Rate
2.35 %
Annual interest
CHF 16'450
bankeki.ch
36 Logo Bank in Zuzwil AG Hypothek Rate
2.75 %
Annual interest
CHF 19'250
bankbiz.ch
37 Logo Bank Leerau Genossenschaft Hypothek Rate
2.75 %
Annual interest
CHF 19'250
bankleerau.ch
38 Logo Bank SLM AG Hypotheken Rate
2.35 %
Annual interest
CHF 16'450
bankslm.ch
39 Logo Bank Sparhafen Zürich AG Hypothek Rate
2.5 %
Annual interest
CHF 17'500
sparhafen.ch
40 Logo BBO Bank Brienz Oberhasli AG Hypothek Rate
2.75 %
Annual interest
CHF 19'250
bbobank.ch
41 Logo Bezirks-Sparkasse Dielsdorf Genossenschaft Hypotheken Rate
2.25 %
Annual interest
CHF 15'750
sparkasse-dielsdorf.ch
42 Logo Burgergemeinde Bern, DC Bank Deposito-Cassa der Stadt Bern Finanzieren Rate
2.5 %
Annual interest
CHF 17'500
dcbank.ch
43 Logo Ersparniskasse Rüeggisberg Genossenschaft Hypotheken Rate
2.75 %
Annual interest
CHF 19'250
ekr.ch
44 Logo Ersparniskasse Schaffhausen AG Hypothek Rate
2.875 %
Annual interest
CHF 20'125
ersparniskasse.ch
45 Logo Ersparniskasse Speicher Hypothek Rate
1.75 %
Annual interest
CHF 12'250
ersparniskassespeicher.ch
46 Logo GRB Glarner Regionalbank Genossenschaft Hypothek Rate
2.875 %
Annual interest
CHF 20'125
glarner-regionalbank.ch
47 Logo Hypothekarbank Lenzburg AG Hypotheken Rate
2.875 %
Annual interest
CHF 20'125
hbl.ch
48 Logo Regiobank Solothurn AG Hypothek Rate
2.75 %
Annual interest
CHF 19'250
regiobank.ch
49 Logo Spar + Leihkasse Gürbetal AG Hypotheken Rate
2.75 %
Annual interest
CHF 19'250
slguerbetal.ch
50 Logo Spar+Leihkasse Riggisberg AG Private hypotheken Rate
2.75 %
Annual interest
CHF 19'250
slr.ch
51 Logo Spar- und Leihkasse Frutigen AG Hypothek Rate
2.75 %
Annual interest
CHF 19'250
slfrutigen.ch
52 Logo Zürcher Landbank AG hypotheken Rate
2.5 %
Annual interest
CHF 17'500
zuercherlandbank.ch
53 Logo Bank Avera Genossenschaft Hypotheken Rate
2.5 %
Annual interest
CHF 17'500
bank-avera.ch
54 Logo Bank Oberaargau AG Hypotheken Rate
2.75 %
Annual interest
CHF 19'250
bankoberaargau.ch
55 Logo Burgerliche Ersparniskasse Bern, Genossenschaft Hypotheken Rate
1.75 %
Annual interest
CHF 12'250
burgerliche-ek-bern.ch
56 Logo BS Bank Schaffhausen AG Hypotheken Rate
2.875 %
Annual interest
CHF 20'125
bsb.clientis.ch
57 Logo Clientis Bank Aareland AG Hypotheken Rate
2.625 %
Annual interest
CHF 18'375
cba.clientis.ch
58 Logo Clientis Bank Thur Genossenschaft Hypotheken Rate
2.75 %
Annual interest
CHF 19'250
bankthur.clientis.ch
59 Logo Clientis Bank Toggenburg AG Hypotheken Rate
2.75 %
Annual interest
CHF 19'250
cbt.clientis.ch
60 Logo Clientis EB Entlebucher Bank AG Hypotheken Rate
2.5 %
Annual interest
CHF 17'500
eb.clientis.ch
61 Logo Sparkasse Sense Hypotheken Rate
2.75 %
Annual interest
CHF 19'250
sks.clientis.ch
62 Logo WIR Bank Genossenschaft Financement d’un logement en propriété Rate
2.75 %
Annual interest
CHF 19'250
wir.ch

What's a mortgage ?

Anyone who wishes to build or buy their dream home usually does not have sufficient equity. That's where the mortgage comes in. This is a long-term loan to finance a property and it is used as collateral to cover the risk of non-repayment of the property. In order to obtain a mortgage loan, several minimum requirements must be met. Firstly, it is necessary to have 20% of equity. This can be made up of savings, investment funds, second or third pillar pension capital (3a), or other real estate objects. Secondly, the ratio between the mortgage and the market value must not exceed 80%. Finally, interest and depreciation must not exceed one third of the income. There are also notary fees, which vary from canton to canton and are not included in the loan calculation.

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