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Fixed-rate mortgage

Know your costs and plan reliably thanks to fixed interest rates.

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Plan your costs clearly
Your interest costs remain the same every month thanks to the fixed interest rate.
Lock in attractive interest rates
You can fix an attractive interest rate for the entire term.
Benefit from interest rate reductions
Benefit from additional interest rate reductions, for example on your first �۶��Ƶ Fixed-Rate Mortgage.

In the case of a fixed-rate mortgage, the interest rate remains the same for the entire term. This fixed interest rate means you can plan your budget reliably.

For all types of real estate in Switzerland.
Interest rate is calculated individually for you and is fixed for the entire term.
Terms of 2 to 10 years (�۶��Ƶ Fixed-Rate Mortgage) or 1 to 15 years (fixed-rate mortgage via �۶��Ƶ key4 mortgages).
Interest rate can be fixed in advance: up to 12 months in advance (�۶��Ƶ Fixed-Rate Mortgage) or up to 18 months in advance (fixed-rate mortgage via �۶��Ƶ key4 mortgages).
Interest payments are made quarterly.

Special Offer for First Home, double the Joy

First mortgage? Benefit twice. Secure a 0.35% interest rate reduction and a free banking package in the first year.��This offer does not apply to mortgages taken out via �۶��Ƶ key4 mortgages.

Preferential interest rate on your first mortgage with �۶��Ƶ
Banking package with a credit card of your choice free of charge for 12 months
For all types of owner-occupied residential property (excluding vacation homes)

Direct amortization

In the case of direct amortization, you pay back a fixed amount on a regular basis. Every payment reduces the size of your mortgage. So the amount of interest you have to pay also decreases. Since mortgage interest is tax deductible, it also means your tax burden increases.

Indirect amortization

In the case of indirect amortization, you pay the amortization amount into pillar 3a. The mortgage is not repaid until you withdraw your pillar 3a assets. Your interest payments remain the same, but you benefit twice with regard to taxes: through the deduction of interest and the deduction of pillar 3a contributions.

How are fixed-rate mortgages different to other mortgages?

A fixed-rate mortgage offers security because you know exactly what your interest costs will be during the mortgage term. However, it also means that you have to pay this interest rate for the entire term. If interest rates fall in the future, you won’t be able to take advantage. You’ll only be able to benefit if you have a mortgage with a variable interest rate (SARON mortgage).

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Or calculate a non-binding offer from �۶��Ƶ key4 mortgages in a few steps.

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Interest offer

How have interest rates for mortgages developed?

Interest rates are continually subject to greater or smaller fluctuations. Various economic factors influence how interest rates develop, such as the key interest rate set by the Swiss National Bank and conditions on the capital market. The approximate interest rate development of a fixed-rate mortgage can be derived from the swap rate. Swap rates reflect market interest rates and thus indicate in which direction fixed-rate mortgages are headed. However, interest rates for fixed-rate mortgages also include other factors and are therefore not exactly the same as the swap rate.

Select individual interest rates to compare them and check their development by following the respective line with your cursor.��

Sources:��Bloomberg, �۶��Ƶ Switzerland AG.��
This is only an indicative interest rate. The effective interest rate is calculated using the margin + Compounded SARON of the accounting period. The Compounded SARON cannot be negative.

Interest rate forecast in figures

Rates	Rates	22.04.25	22.04.25	30.06.25	30.06.25	31.12.25	31.12.25	30.06.26	30.06.26
Rates	SARON	22.04.25	0.18	30.06.25	0.00	31.12.25	0.00	30.06.26	0.00
Rates	Swap 3 years	22.04.25	-0.03	30.06.25	0.04	31.12.25	0.05	30.06.26	0.06
Rates	Swap 5 years	22.04.25	0.15	30.06.25	0.22	31.12.25	0.22	30.06.26	0.23
Rates	Swap 10 years	22.04.25	0.48	30.06.25	0.55	31.12.25	0.56	30.06.26	0.57

Sources: Bloomberg,�۶��Ƶ Switzerland AG
Please note that the stated interest rate is in part a forecast and the actual interest rate may be higher or lower.

What are the risks of a fixed-rate mortgage?

A new interest rate is set when the term of the fixed-rate mortgage expires. If interest rates have risen during the term of the mortgage, the new financing solution may be more expensive as a result. To reduce the risk of this happening, you can take out several mortgages with different terms (known as tranches). Then, you won’t have to renegotiate the entire mortgage in one go.

Changes to your personal circumstances, such as moving house, divorce or losing your job, can also pose a risk,. Because because it’s usually only possible to terminate a fixed-rate mortgage if you sell the financed property. In other words, it’s important that you carefully consider not only the interest rate but also whether a fixed-rate mortgage is suited to your situation and which term is right for you.

Fixed-rate mortgage, variable-rate mortgage (SARON) or a combination of the two?

A fixed-rate mortgage protects you against rising interest rates. But you don’t benefit if interest rates fall either. This is not the case if you have a mortgage with a variable interest rate (SARON mortgage). With a SARON mortgage, you benefit when interest rates fall, but you also pay more when interest rates rise. It’s therefore advisable to combine fixed-rate mortgages and SARON mortgages by dividing your mortgage into tranches.

Which combination of mortgages is best for you depends on several factors. These include your risk appetite, what financial reserves you have and what your long-term plans are, in other words whether you want to sell the property. It’s best to talk to our mortgage experts so that we can look at your situation together.

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Is it possible to terminate a fixed-rate mortgage?

You can only terminate a fixed-rate mortgage if you sell the property. Under certain circumstances, it’s possible to redeem a fixed-rate mortgage before it expires. However, this depends on the goodwill of �۶��Ƶ.

In addition, you may incur additional costs through the termination or redemption. An early redemption penalty will be charged based on the following factors:

What is the agreed interest rate for the mortgage?

What is the current reinvestment rate?

Depending on the interest rate environment, the penalty may be in your favor or at your expense.

Reasons for wanting to redeem your mortgage may include divorce, a change in income or a new place of work. It’s advisable to think about what could happen over the next few years when choosing the term.

Does �۶��Ƶ also finance real estate abroad?

What is �۶��Ƶ key4 mortgages?

How can I get an offer for a �۶��Ƶ-financed mortgage?

How can I get an offer from �۶��Ƶ key4 mortgages?

Answer a few questions online about the mortgage you want, your property and your financial situation.

With just one inquiry, you get the most attractive offers from our providers within seconds. Transparent and easy to compare. Interested in an offer? We’ll send you the offer by email and you can arrange an advisory consultation if you wish to have one. From here, our experienced advisors take over and explain step by step what happens next.

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