As of 30 October 2026: PK SBB publishes 1.76 % for a 10-year fixed-rate mortgage. That is rank 6 out of 28 providers, -21 bp compared with the average of 1.97 %.
| Term | PK SBB | Best rate | Average | Difference | Rank today |
|---|---|---|---|---|---|
| 3 years | 1.54 % | 1.41 % | 1.71 % | -17 bp | 5 out of 29 |
| 5 years | 1.62 % | 1.51 % | 1.81 % | -19 bp | 6 out of 29 |
| 7 years | 1.68 % | 1.53 % | 1.89 % | -21 bp | 6 out of 29 |
| 10 years | 1.76 % | 1.63 % | 1.97 % | -21 bp | 6 out of 28 |
Last rate change at PK SBB: on 29 October 2026, 10 years from 1.73 % to 1.76 %.
Pensionskasse SBB is a pension fund that offers mortgages with services throughout Switzerland. On this page you can see the current indicative rates from PK SBB for fixed-rate mortgages, as published by the provider 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 PK SBB with the best rate and the average of all tracked providers for the same term. A negative value in basis points means that PK SBB 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 PK SBB 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 PK SBB's offer with offers from other providers and taking competing offers into the negotiation.
You can obtain a binding offer directly from PK SBB, usually online or in a consultation. Have the purchase price, own funds, income and desired term ready. The link to PK SBB's mortgage page can be found above. With a rate alert, you will be informed as soon as PK SBB adjusts the rate for your term.