Mortgage Radar – September 2026

Despite global geopolitical and economic uncertainty, the Swiss interest rate environment remains remarkably stable. The Swiss National Bank's (SNB) next monetary policy assessment is scheduled for September 22, and we expect the policy rate to remain at 0.00% through year-end, keeping financing conditions attractive. Fixed-rate mortgage rates have also stayed largely unchanged: ten-year terms currently range from about 1.65% to 2.10%, while shorter terms range from 1.40% to 1.75%. SARON mortgages, at 0.90% to 1.20%, remain the most cost-effective option.

Despite these stable conditions, it pays to take a closer look: differences between providers can be substantial, amounting to as much as CHF 40'000 over ten years on a CHF 800'000 mortgage. Anyone taking out or renewing a mortgage now should compare offers systematically.

Whether for a primary residence or an investment property, a well-thought-out financing strategy that stays balanced over the full term pays off. Our advisors provide holistic guidance — from interest rate analysis to structuring the right mix of tranches.

Find out how interest rates are developing and what matters most for your financing right now in the latest Mortgage Radar.