As of 30 October 2026: The cheapest 15-year fixed-rate mortgage is offered by Vaudoise at 1.76 %. The average across 11 providers is 2.03 %, and the highest indicative rate is 2.43 %.
| Rank | Provider | Type | Rate | Change (30 days) |
|---|---|---|---|---|
| 1 | Vaudoise | Insurance | 1.76 % | -5 bp |
| 2 | Swiss Life | Insurance | 1.79 % | +4 bp |
| 3 | sgpk | Insurance | 1.82 % | -6 bp |
| 4 | PostFinance | National | 1.86 % | -4 bp |
| 5 | AXA | Insurance | 1.93 % | +1 bp |
| 6 | GLKB | Cantonal | 1.93 % | +6 bp |
| 7 | Bank EKI | Regional | 2.05 % | -10 bp |
| 8 | GKB | Cantonal | 2.18 % | +3 bp |
| 9 | Bank Cler | National | 2.29 % | -6 bp |
| 10 | ZKB | Cantonal | 2.33 % | +2 bp |
| 11 | Raiffeisen | National | 2.43 % | -2 bp |
With a 15-year fixed-rate mortgage, you secure the rate for a very long period. Not all banks offer this term, and the differences between providers are often larger than for five or ten years. This page shows the latest daily indicative rates of all tracked Swiss providers for 15 years, sorted from the cheapest to the most expensive offer.
The long term suits owners with a very long horizon, such as families who want to keep the house until retirement, or households whose budget would struggle to absorb a rate rise. It is less suitable if a sale, a move or a restructuring of the financing within the next few years is conceivable.
Long terms are offered mainly by insurers, pension funds and some cantonal banks because they match long-term liabilities with long-term investments. The ranking therefore shows fewer providers than for ten years, and the spread between the cheapest and most expensive offer is often wider. Comparing providers is especially worthwhile here.
For the additional five years of security, you usually pay a premium over the 10-year term. The table for the other terms shows how large it is today. A small premium can be worthwhile if you consider a significantly higher rate level in ten years possible; a large premium first has to be offset by a later rise in rates.
Anyone retiring within the next 15 years should align the term with affordability after retirement. Banks then calculate on the basis of the lower pension income, and amortisation may become necessary. A fixed-rate mortgage that runs beyond retirement provides certainty over interest costs, but limits flexibility in reducing the mortgage.