As of 30 October 2026: BCV publishes 2.17 % for a 10-year fixed-rate mortgage. That is rank 26 out of 28 providers, +20 bp compared with the average of 1.97 %.
| Term | BCV | Best rate | Average | Difference | Rank today |
|---|---|---|---|---|---|
| 2 years | 1.83 % | 1.35 % | 1.62 % | +21 bp | 25 out of 26 |
| 3 years | 1.94 % | 1.41 % | 1.71 % | +23 bp | 28 out of 29 |
| 5 years | 2.03 % | 1.51 % | 1.81 % | +22 bp | 28 out of 29 |
| 7 years | 2.08 % | 1.53 % | 1.89 % | +19 bp | 27 out of 29 |
| 10 years | 2.17 % | 1.63 % | 1.97 % | +20 bp | 26 out of 28 |
Last rate change at BCV: on 29 October 2026, 10 years from 2.16 % to 2.17 %.
Banque Cantonale Vaudoise is a cantonal bank with a focus on the canton of VD. On this page you can see the current indicative rates from BCV for fixed-rate mortgages, as published by the bank itself, and how they compare with over 30 other Swiss banks, cantonal banks, insurers and pension funds. The values are tracked daily.
The table above compares each published rate from BCV with the best rate and the average of all tracked providers for the same term. A negative value in basis points means that BCV is below average. The rank shows today's position, with providers on the same rate sharing the same rank. Because banks adjust their rates at different speeds, the position can change within a few days.
The values shown here are indicative rates, i.e. the rates that BCV lists publicly. Your personal rate depends on loan-to-value, affordability, creditworthiness and negotiation, and may be lower or higher. Especially with good creditworthiness and a low loan-to-value, it is worth comparing BCV's offer with offers from other providers and taking competing offers into the negotiation.
You can obtain a binding offer directly from BCV, usually online or in a consultation. Have the purchase price, own funds, income and desired term ready. The link to BCV's mortgage page can be found above. With a rate alert, you will be informed as soon as BCV adjusts the rate for your term.