Mortgage & Financing

Ask yourself the right questions

Is your financing truly optimised?

Do you know your real borrowing capacity?

Are you using your pension funds (2nd & 3rd pillar) effectively?

Are you comparing at least 3 lenders to get the best rate?

Do you understand the tax implications of your mortgage structure?

Our support

Getting your financing right is as important as choosing the right property. MYNE Home analyses your financial situation, structures your equity and negotiates with lenders on your behalf — independently, with no hidden ties to any bank.

What we cover

Complete financial assessment (income, assets, liabilities)
Calculation of real borrowing capacity and affordability
Equity structuring (savings, 2nd & 3rd pillar, gifts)
Mortgage type analysis (fixed, variable, SARON)
Competitive tendering across multiple lenders
Support through to mortgage offer and signing
Tax optimisation of your mortgage structure

Our independence: we work for you, not for any bank. Our recommendations are driven solely by your interests and your financial profile.

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Practical guide

Understanding mortgage rates
Which term to choose in 2026?

SNB policy rate held at 0%

The Swiss National Bank recently kept its policy rate at zero. SARON (money market) mortgages remain stable and competitive.

Fixed rates: slight decline

After a brief rise driven by rate expectations, fixed mortgage rates have edged back down. For a 10-year term, the market range stands between 1.55% and 2.00%.

Stability expected for 12 months

No SNB rate move is expected before end-2026. The strong franc remains the main challenge. Negative rates are not on the agenda, though not entirely ruled out.

Current mortgage rate ranges — March 2026

Source: VZ VermögensZentrum (40+ lenders compared). Each bar shows the lowest and highest rate available on the market.

Min – max range across lenders

Hover over a bar for exact figures

SARON (money market mortgage)

0.95 – 1.35%

Currently low and market-linked. Ideal if you plan to sell short-term or expect rates to remain stable for the foreseeable future.

Fixed-rate mortgage — 10 years

1.55 – 2.00%

Security and long-term visibility. Recommended to protect yourself against a potential rate rise and plan your costs with confidence.

The gap matters: between 1.55% and 2.00% on a CHF 600,000 mortgage over 10 years, the difference amounts to CHF 2,700 per year — over CHF 27,000 across the full term. Comparing lenders is decisive.

Compare market offers

Interactive tool

Calculate your savings potential
In seconds, estimate what a better mortgage puts back in your pocket.

Mortgage amount 600'000 CHF

100'0002'000'000 CHF

Your current rate 1.80%

0.50%3.50%

Best available rate — market March 2026 1.25%

0.50%3.00%

Remaining term 10 years

1 year15 years

Estimated monthly saving

275 CHF

Per year

3'300 CHF

Over the term

33'000 CHF

Indicative estimate based on simple interest. Excludes early exit fees and administrative costs.

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Key concepts

Swiss mortgage essentials

Minimum equity: 20%

Swiss lenders require at least 20% of the purchase price in equity, of which at least 10% must come from sources other than pension funds.

Affordability rule: 33%

Total housing costs (theoretical interest at 5%, amortisation + maintenance) must not exceed one third of gross household income.

2nd & 3rd pillar

Pension savings can supplement equity for a property purchase. Using them correctly can significantly increase your borrowing capacity.

Amortisation

The second mortgage (above 65% of property value) must be repaid within 15 years or before retirement. Structuring this correctly matters.

Frequently asked questions

Your financing questions

Yes — your bank will naturally offer its own products. MYNE Home analyses your situation independently and compares offers from multiple lenders to ensure you get the best rate and structure for your profile.

Absolutely. A financing assessment before you start searching is actually ideal: you'll know your real budget, move faster when you find the right property and negotiate from a position of strength.

SARON (Swiss Average Rate Overnight) replaced LIBOR in 2022. It is a variable-rate mortgage that follows the Swiss National Bank policy rate. It can be advantageous in a declining rate environment but carries more risk than a fixed-rate mortgage.

Our fee is transparent and agreed before any engagement. We do not receive commissions from lenders — our advice is genuinely independent. Everything is discussed and accepted upfront.

Your mortgage,
without surprises

Is your financing truly optimised?