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Security when financing your real estate: Do you want to make your dream of owning a home come true? Are you looking for an alternative to your current mortgage? Zurich is your professional and reliable partner for real estate financing.

Benefits at a glance

  • Comprehensive, competent advice on financing for real estate
  • Focus on security and tax aspects
  • Fixed, Saron or variable mortgage

Mortgage Rates

Current mortgage rates at Zurich
The interest rates* provided are only indicative and non-binding (based on current market conditions). They are dependent on factors such as the customer rating, underlying, loan amount and duration. The minimum amount for new mortgages is CHF 300'000.   


Fixed-rate mortgages         Variable rate mortgages
(As at 29.11.2023)         (Initial financing only)
Term Interest rates         Rank Interest rates
3 years  2,120 %         I. 2,500 %
4 years 2,130 %          II. 3,250 %
5 years  2,140 %             
6 years 2,150 %         Saron rate mortages
7 years 2,160 %
Saron-3MC at 30.09.2023** 1.7079 %
8 years 2,170 %            
9 years 2,170 %        
10 years 2,200 %            

*Zurich accepts no liability for the accuracy of this information
**Customer interest rate = Saron3MC + margin + risk prime. Historical Saron interest rates can be found on the SIX website at any time.

More details

There are various ways to finance the purchase of your home. Zurich experts can offer you a financing concept tailored to your personal needs.

Mortgages from Zurich

  • You can choose between variable, SARON and fixed-rate mortgages or combine them; a fixed-rate mortgage in particular gives you longer-term calculation security
  • You benefit from Zurich's comprehensive expertise and financial strength

Fixed, SARON or variable

  • Fixed-rate mortgage: fixed mortgage interest over the selected term, early termination only possible against compensation
  • Variable mortgage: variable mortgage interest rate, unlimited term, termination possible at any time within the applicable notice period, change to a fixed-rate mortgage possible at any time on the next interest due date
  • SARON mortgage: contract term of 3 years, flexible product change to a fixed-rate mortgage possible at any time at the end of a quarter, early termination only possible against compensation. Interest rate known at the start of the interest period and at the end of the interest period.

SARON interest rate

  • The variable interest rate of the Zurich SARON mortgage is composed of the "3 Months Compounded SARON" of the previous quarter (observation period with reference date of last available "3 Months Compounded SARON" interest rate of the quarter) at the start of the term as well as at each interest date, plus an agreed fixed customer margin.
  • This interest rate is reset at the beginning of each quarter and capped at the level of the customer margin (minimum interest rate).

Our advisory service

Whether financing a new property or switching your existing mortgage, we would be glad to advise you.

Other products

Life insurance in case of death

Term life insurance

If you have special responsibilities, for example in your family or as an entrepreneur, you should provide financial security in the event of death.

View to the balcony

Protection for your home

Water damage, burglary, fire – building insurance helps protect you against financial risks.