General Information

Fix Mortgage

If you want to hedge against rising interest rates: With a Fix mortgage (also known as a fixed-rate mortgage), you can calculate your interest costs over the long term.

A Fix Mortgage Is Suited to the Following Situations

  • The available fixed interest rate is attractive in the current interest rate environment, and you would like to budget this rate for the entire term
  • Mortgage interest rates are expected to rise sharply and you would like to hedge against this in advance with a fix mortgage

Features of the Fix Mortgages

The Fix mortgage is defined by a fixed interest rate for a fixed term and a fixed amount.


Minimum amount:

CHF 100,000


2 to 15 years

Interest rate:

As per your individual offer (current mortgage interest rates here)

Example of Interest Rate Development

Fix Mortgage

Additional Information

  • Whereas adjustable interest rates change according to market conditions, the interest of a Fix mortgage remains the same throughout the entire term
  • You can choose direct or indirect repayment. More information is available here: Repayment Mortgage
  • A Fix mortgage is not suitable if interest rates are expected to fall

Secondary Content