⏱ 1 min read
Background
Fixed mortgage rates rose sharply in Switzerland in the third quarter of 2026, despite the SNB policy rate being held at 0%. The rise reflects international capital markets.
The key points
According to Comparis, the indicative 10-year rate rose from 1.77% to 2.07%, above 2% for the first time since March 2025. Long fixed-rate mortgages nonetheless remain popular.
At the end of September, 43% of contracts signed ran for 10 years or more, against 42% at the end of June. The share of Saron mortgages rose from 19% to 21%.
Key figures
- Indicative 10-year rate: 2.07%, against 1.77% in June.
- 5-year fixed rate: 1.90%, up 0.38 points since June.
- 10-year Swiss government bond yield: from 0.31% to 0.59% in three months.
- Potential saving by negotiating on 750,000 francs: 35,250 francs over the contract term.
What it means for businesses
The gap with the best negotiated rates remains significant: for 10 years, the lowest is 1.60%, against an indicative 2.07%. Medium terms of 4 to 7 years fell from 23% to 21% of contracts.
Analysis
According to the article, rising rates abroad are weighing on Switzerland. The Fed raised its policy rate in September and the ECB lifted its deposit rate to 2.5%.
Further reading
Sources
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