As of 30 October 2026: The cheapest 10-year fixed-rate mortgage is offered by asga at 1.63 %. The average across 28 providers is 1.97 %, and the highest indicative rate is 2.28 %.
| Rank | Provider | Type | Rate | Change (30 days) |
|---|---|---|---|---|
| 1 | asga | Insurance | 1.63 % | -5 bp |
| 2 | Vaudoise | Insurance | 1.66 % | -8 bp |
| 3 | AXA | Insurance | 1.67 % | +1 bp |
| 4 | Swiss Life | Insurance | 1.67 % | +4 bp |
| 5 | sgpk | Insurance | 1.71 % | -6 bp |
| 6 | PK SBB | Insurance | 1.76 % | +3 bp |
| 7 | PostFinance | National | 1.80 % | -1 bp |
| 8 | GLKB | Cantonal | 1.82 % | +5 bp |
| 9 | Hypo Lenzburg | Regional | 1.90 % | +20 bp |
| 10 | APPKB | Cantonal | 1.95 % | -5 bp |
| 11 | Bank EKI | Regional | 1.95 % | -10 bp |
| 12 | Bank EEK | Regional | 2.00 % | unchanged |
| 13 | Bank Linth | Regional | 2.00 % | +1 bp |
| 14 | ZugerKB | Cantonal | 2.00 % | +1 bp |
| 15 | GKB | Cantonal | 2.03 % | +1 bp |
| 16 | Migros Bank | National | 2.03 % | +3 bp |
| 17 | Bank Cler | National | 2.09 % | -9 bp |
| 18 | Raiffeisen | National | 2.09 % | -2 bp |
| 19 | Baloise | Insurance | 2.10 % | +2 bp |
| 20 | Bank BSU | Regional | 2.10 % | -7 bp |
| 21 | Bank Thalwil | Regional | 2.10 % | +4 bp |
| 22 | LUKB | Cantonal | 2.10 % | +1 bp |
| 23 | ZKB | Cantonal | 2.13 % | +1 bp |
| 24 | acrevis | Regional | 2.15 % | +5 bp |
| 25 | SGKB | Cantonal | 2.15 % | -5 bp |
| 26 | BCV | Cantonal | 2.17 % | +1 bp |
| 27 | Valiant | National | 2.17 % | +1 bp |
| 28 | SLG | Regional | 2.28 % | unchanged |
The 10-year fixed-rate mortgage is the most popular term in Switzerland: it locks in the rate for a whole decade and makes housing costs largely independent of interest-rate fluctuations. This page shows the latest daily indicative rates of all tracked Swiss banks, cantonal banks and insurers for ten years, sorted from the cheapest to the most expensive offer, plus the trend over the last 90 days.
Ten years combines long planning certainty with usually only a moderate premium over shorter terms. For families who plan to stay in their home for a long time, and for households with little affordability headroom, a fixed rate over this period is often more important than saving a few basis points. Anyone who wants to change the mortgage in the next few years, for example because of a sale or a top-up, is more flexible with a shorter term or by splitting it into tranches.
Fixed-rate mortgages are guided by the capital market, specifically by the 10-year CHF swap rate, to which the bank adds its margin. The SNB policy rate has only an indirect effect through expectations. If swap rates rise, banks usually adjust their indicative rates within days, at different speeds depending on the provider. That is why the ranking changes regularly, and a comparison on the same day is more meaningful than comparing offers from different weeks.
A 10-year fixed-rate mortgage protects against rising rates during the term, but shifts the risk to maturity: if the rate level is then significantly higher, costs jump all at once. Splitting into tranches with different maturities spreads this refinancing risk. Anyone who plans early can secure the rate up to around two years in advance with a forward mortgage.
Anyone who exits before maturity pays an early repayment charge. With a long remaining term and lower rates, it can amount to several per cent of the mortgage. Before taking one out, therefore, clarify whether a sale or a major change is likely in the next ten years, and whether the bank allows the mortgage to be transferred to a new property.