As of 30 October 2026: The cheapest 5-year fixed-rate mortgage is offered by Vaudoise at 1.51 %. The average across 29 providers is 1.81 %, and the highest indicative rate is 2.12 %.
| Rank | Provider | Type | Rate | Change (30 days) |
|---|---|---|---|---|
| 1 | Vaudoise | Insurance | 1.51 % | -7 bp |
| 2 | asga | Insurance | 1.57 % | -5 bp |
| 3 | sgpk | Insurance | 1.57 % | -4 bp |
| 4 | Swiss Life | Insurance | 1.57 % | -1 bp |
| 5 | GLKB | Cantonal | 1.59 % | +5 bp |
| 6 | AXA | Insurance | 1.62 % | +2 bp |
| 7 | PK SBB | Insurance | 1.62 % | +5 bp |
| 8 | PostFinance | National | 1.64 % | -2 bp |
| 9 | APPKB | Cantonal | 1.70 % | -5 bp |
| 10 | Bank EKI | Regional | 1.75 % | -10 bp |
| 11 | Bank Linth | Regional | 1.77 % | +4 bp |
| 12 | Bank EEK | Regional | 1.80 % | +5 bp |
| 13 | BankBIZ | Regional | 1.82 % | +3 bp |
| 14 | Migros Bank | National | 1.84 % | +5 bp |
| 15 | ZugerKB | Cantonal | 1.86 % | +1 bp |
| 16 | GKB | Cantonal | 1.87 % | +3 bp |
| 17 | Raiffeisen | National | 1.88 % | -3 bp |
| 18 | Bank Cler | National | 1.91 % | -6 bp |
| 19 | Hypo Lenzburg | Regional | 1.91 % | -3 bp |
| 20 | Baloise | Insurance | 1.94 % | +2 bp |
| 21 | Bank BSU | Regional | 1.94 % | -7 bp |
| 22 | LUKB | Cantonal | 1.94 % | +2 bp |
| 23 | acrevis | Regional | 1.95 % | -5 bp |
| 24 | SGKB | Cantonal | 1.95 % | -5 bp |
| 25 | Bank Thalwil | Regional | 1.97 % | +6 bp |
| 26 | ZKB | Cantonal | 1.97 % | -1 bp |
| 27 | Valiant | National | 1.99 % | +2 bp |
| 28 | BCV | Cantonal | 2.03 % | +4 bp |
| 29 | SLG | Regional | 2.12 % | unchanged |
The 5-year fixed-rate mortgage is the classic middle-ground term: the rate is fixed for five years, your budget is predictable, and when it ends you can decide again without committing yourself for a whole decade. This page shows the latest daily indicative rates of all tracked Swiss banks, cantonal banks and insurers for this exact term, sorted from the cheapest to the most expensive offer.
Five years suits owners who may want to change something in the foreseeable future: a sale, a move, a major renovation with a mortgage top-up, or an advance on inheritance. Those who expect rates to fall rather than rise over the next few years also often choose five rather than ten years so that they can refinance sooner at lower rates. By contrast, anyone seeking maximum planning certainty and intending to stay in the property for a long time should look at the 10-year term.
Longer terms usually come with a premium because the bank bears the interest-rate risk for longer. The table for the other terms further down shows how large the difference is today. If the yield curve is flat, the premium for ten years is small, and the extra security is available at low cost. If the curve is steep, the 5-year term delivers noticeable savings, but after five years you bear the risk of having to renew at a higher rate.
Many households split the mortgage into tranches, for example a 5-year and a 10-year fixed-rate mortgage, or a fixed-rate mortgage plus a SARON tranche. This means not all parts mature at the same time, and the risk of an unfavourable renewal is spread out. With the tranche planner, you can compare such structures under different interest-rate scenarios.
A fixed-rate mortgage can only be terminated before maturity on payment of an early repayment charge. Broadly speaking, it corresponds to the bank's lost interest up to the end of the term and is higher the longer the remaining term and the lower the current rate level. With five years, the maximum remaining term is shorter than with ten years, which makes an early exit cheaper on average.