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: Sep 21, 2020
Rank Company Overview Rate Annual interest Link
1 Logo Retraites Populaires Mortgage Loan Rate
1.75 %		 Annual interest
CHF 12'250		 retraitespopulaires.ch
2 Logo Bernische Pensionskasse (BPK) Mortgages Rate
2 %		 Annual interest
CHF 14'000		 bpk.ch
3 Logo Migros Bank AG Mortgage Rate
2.25 %		 Annual interest
CHF 15'750		 migrosbank.ch
4 Logo Luzerner Kantonalbank AG Mortgages Rate
2.45 %		 Annual interest
CHF 17'150		 lukb.ch
5 Logo Cantonal Bank of Basel Mortgages Rate
2.5 %		 Annual interest
CHF 17'500		 bkb.ch
6 Logo Appenzeller Kantonalbank Mortgages Rate
2.5 %		 Annual interest
CHF 17'500		 appkb.ch
7 Logo Cantonal Bank of Zurich ZKB Mortgages 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 Mortgages Rate
2.5 %		 Annual interest
CHF 17'500		 allianz.ch
10 Logo Raiffeisen Switzerland Cooperative Mortgages Rate
2.875 %		 Annual interest
CHF 20'125		 raiffeisen.ch
11 Logo Cantonal Bank of Saint Gall Ltd Mortgages Rate
2.75 %		 Annual interest
CHF 19'250		 sgkb.ch
12 Logo Graubündner Kantonalbank Mortgages Rate
2.75 %		 Annual interest
CHF 19'250		 gkb.ch
13 Logo Obwaldner Kantonalbank Mortgages Rate
2.75 %		 Annual interest
CHF 19'250		 okb.ch
14 Logo Schaffhauser Kantonalbank Mortgages Rate
2.75 %		 Annual interest
CHF 19'250		 shkb.ch
15 Logo Generali (Switzerland) Holding Ltd. Mortgages Rate
2.75 %		 Annual interest
CHF 19'250		 generali.ch
16 Logo Swiss Life Ltd Swiss Life mortgages Rate
2.75 %		 Annual interest
CHF 19'250		 swisslife.ch
17 Logo VAUDOISE GENERAL, Insurance Company Ltd Mortgage loans Rate
2.75 %		 Annual interest
CHF 19'250		 vaudoise.ch
18 Logo Credit Suisse (Switzerland) Ltd. Mortgages Rate
2.85 %		 Annual interest
CHF 19'950		 credit-suisse.com
19 Logo Glarner Kantonalbank Mortgages Rate
2.875 %		 Annual interest
CHF 20'125		 glkb.ch
20 Logo Valiant Bank AG Mortgage Rate
2.95 %		 Annual interest
CHF 20'650		 valiant.ch
21 Logo Nidwaldner Kantonalbank Mortgages Rate
3 %		 Annual interest
CHF 21'000		 nkb.ch
22 Logo Alpha RHEINTAL Bank AG Alpha Mortgages Rate
2.5 %		 Annual interest
CHF 17'500		 alpharheintalbank.ch
23 Logo Acrevis Bank AG Mortgage Rate
2.75 %		 Annual interest
CHF 19'250		 acrevis.ch
24 Logo AEK BANK 1826 Genossenschaft Mortgages Rate
2.875 %		 Annual interest
CHF 20'125		 aekbank.ch
25 Logo Berner Kantonalbank AG Mortgages Rate
2.25 %		 Annual interest
CHF 15'750		 bekb.ch
26 Logo Basellandschaftliche Kantonalbank Mortgages Rate
2.625 %		 Annual interest
CHF 18'375		 blkb.ch
27 Logo Schwyzer Kantonalbank Mortgages Rate
2.5 %		 Annual interest
CHF 17'500		 szkb.ch
28 Logo Zuger Kantonalbank Mortgages Rate
2.5 %		 Annual interest
CHF 17'500		 zugerkb.ch
29 Logo Baloise Bank SoBa AG Mortgage Rate
2.875 %		 Annual interest
CHF 20'125		 baloise.ch
30 Logo Banca dello Stato del Cantone Ticino Mortgage (tihome.ch) Rate
2.84 %		 Annual interest
CHF 19'880		 bancastato.ch
31 Logo Bank Gantrisch Genossenschaft Mortgage Rate
2.75 %		 Annual interest
CHF 19'250		 bankgantrisch.ch
32 Logo Bank BSU Genossenschaft Mortgages (hypoclick.ch) Rate
2.75 %		 Annual interest
CHF 19'250		 bankbsu.ch
33 Logo Bank EEK AG Home financing Rate
2.5 %		 Annual interest
CHF 17'500		 eek.ch
34 Logo Bank EKI Cooperative Mortgage Rate
2.35 %		 Annual interest
CHF 16'450		 bankeki.ch
35 Logo Bank in Zuzwil AG Mortgage Rate
2.75 %		 Annual interest
CHF 19'250		 bankbiz.ch
36 Logo Bank Leerau Genossenschaft Mortgage Rate
2.75 %		 Annual interest
CHF 19'250		 bankleerau.ch
37 Logo Bank SLM AG Mortgages Rate
2.35 %		 Annual interest
CHF 16'450		 bankslm.ch
38 Logo Bank Sparhafen Zürich AG Mortgage Rate
2.5 %		 Annual interest
CHF 17'500		 sparhafen.ch
39 Logo BBO Bank Brienz Oberhasli AG Mortgage Rate
2.75 %		 Annual interest
CHF 19'250		 bbobank.ch
40 Logo Bezirks-Sparkasse Dielsdorf Genossenschaft Mortgages Rate
2.25 %		 Annual interest
CHF 15'750		 sparkasse-dielsdorf.ch
41 Logo Burgergemeinde Bern, DC Bank Deposito-Cassa der Stadt Bern Financing Rate
2.5 %		 Annual interest
CHF 17'500		 dcbank.ch
42 Logo Ersparniskasse Rüeggisberg Genossenschaft Mortgages Rate
2.75 %		 Annual interest
CHF 19'250		 ekr.ch
43 Logo Ersparniskasse Schaffhausen AG Mortgages Rate
2.875 %		 Annual interest
CHF 20'125		 ersparniskasse.ch
44 Logo Ersparniskasse Speicher Mortgages Rate
1.75 %		 Annual interest
CHF 12'250		 ersparniskassespeicher.ch
45 Logo GRB Glarner Regionalbank Genossenschaft Mortgage Rate
2.875 %		 Annual interest
CHF 20'125		 glarner-regionalbank.ch
46 Logo Hypothekarbank Lenzburg AG Mortgages Rate
2.875 %		 Annual interest
CHF 20'125		 hbl.ch
47 Logo Regiobank Solothurn AG Mortgage Rate
2.75 %		 Annual interest
CHF 19'250		 regiobank.ch
48 Logo Spar + Leihkasse Gürbetal AG Mortgages Rate
2.75 %		 Annual interest
CHF 19'250		 slguerbetal.ch
49 Logo Spar+Leihkasse Riggisberg AG Mortgages Rate
2.75 %		 Annual interest
CHF 19'250		 slr.ch
50 Logo Spar- und Leihkasse Frutigen AG Mortgage Rate
2.75 %		 Annual interest
CHF 19'250		 slfrutigen.ch
51 Logo Zürcher Landbank AG Mortgages Rate
2.5 %		 Annual interest
CHF 17'500		 zuercherlandbank.ch
52 Logo Bank Avera Genossenschaft Mortgages Rate
2.5 %		 Annual interest
CHF 17'500		 bank-avera.ch
53 Logo Burgerliche Ersparniskasse Bern, Genossenschaft Mortgages Rate
1.75 %		 Annual interest
CHF 12'250		 burgerliche-ek-bern.ch
54 Logo BS Bank Schaffhausen AG Mortgages Rate
2.875 %		 Annual interest
CHF 20'125		 bsb.clientis.ch
55 Logo Clientis Bank Aareland AG Mortgages Rate
2.625 %		 Annual interest
CHF 18'375		 cba.clientis.ch
56 Logo Clientis Bank Thur Genossenschaft Mortgages Rate
2.75 %		 Annual interest
CHF 19'250		 bankthur.clientis.ch
57 Logo Clientis Bank Toggenburg AG Mortgages Rate
2.75 %		 Annual interest
CHF 19'250		 cbt.clientis.ch
58 Logo Clientis EB Entlebucher Bank AG Mortgages Rate
2.5 %		 Annual interest
CHF 17'500		 eb.clientis.ch
59 Logo Sparkasse Sense Mortgages Rate
2.75 %		 Annual interest
CHF 19'250		 sks.clientis.ch
60 Logo WIR Bank Genossenschaft Mortgages 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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