As of 30 October 2026: sgpk publishes 1.71 % for a 10-year fixed-rate mortgage. That is rank 5 out of 28 providers, -26 bp compared with the average of 1.97 %.
| Term | sgpk | Best rate | Average | Difference | Rank today |
|---|---|---|---|---|---|
| 2 years | 1.37 % | 1.35 % | 1.62 % | -25 bp | 2 out of 26 |
| 3 years | 1.48 % | 1.41 % | 1.71 % | -23 bp | 3 out of 29 |
| 5 years | 1.57 % | 1.51 % | 1.81 % | -24 bp | 2 out of 29 |
| 7 years | 1.63 % | 1.53 % | 1.89 % | -26 bp | 4 out of 29 |
| 10 years | 1.71 % | 1.63 % | 1.97 % | -26 bp | 5 out of 28 |
| 15 years | 1.82 % | 1.76 % | 2.03 % | -21 bp | 3 out of 11 |
Last rate change at sgpk: on 29 October 2026, 10 years from 1.77 % to 1.71 %.
St.Galler Pensionskasse is a pension fund that offers mortgages with a focus on the canton of SG. On this page you can see the current indicative rates from sgpk 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 sgpk with the best rate and the average of all tracked providers for the same term. A negative value in basis points means that sgpk 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 sgpk 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 sgpk's offer with offers from other providers and taking competing offers into the negotiation.
You can obtain a binding offer directly from sgpk, usually online or in a consultation. Have the purchase price, own funds, income and desired term ready. The link to sgpk's mortgage page can be found above. With a rate alert, you will be informed as soon as sgpk adjusts the rate for your term.