Benefit from attractive interest rates and preferential conditions. Stay flexible even with a long-term contract, as there are no costs for early termination of the contract if you sell your home.

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    40% of Swiss own residential property.

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    The average term of a Swiss Life mortgage is ten years.

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    Swiss Life has invested CHF 30 billion in real estate.

Do you dream of owning your own home, or do you want to replace your current mortgage?

For more self-determination: Swiss Life provides you with comprehensive information about home ownership and mortgages. And with our attractive mortgage solutions, you’ll find the right financing for your property.

Comparison of Swiss Life mortgages
Fixed-rate mortgage
For high planability and budget security
SARON mortgage
Benefit from the current low interest rate environment
Variable mortgage
For maximum flexibility
  • Fixed interest rate for a fixed term
  • Interest rates set on the basis of the money market
  • Variable interest rate and an unlimited term
  • Protection against rising interest rates
  • As an addition to fixed-rate mortgages
  • Direct amortisation possible
  • Clear budgeting
  • Terms of between three and five years
  • No fixed term
  • Terms of up to 25 years
  • Conversion to a fixed-rate mortgage possible every three months
  • Can be converted to a fixed-rate mortgage at any time

Current mortgage interest rates

Attractive financing conditions for your apartment or home with a Swiss Life mortgage

Personal offer

We will need your mortgage application to make you a personal offer. Please fill in and send us the following form.

Call the mortgage team

Give us a call! Our mortgage team would be pleased to assist you further.

Arrange a consultation

Are you interested in a Swiss Life mortgage or do you have general questions regarding real estate financing? Then make an appointment for a consultation now. We would be pleased to provide you with more information – in a personal and non-binding consultation. We would also be happy to advise you by video instead of in the General Agency or at your home.

Call the mortgage team

Give us a call! Our mortgage team would be pleased to assist you further.

Make an appointment for a consultation

Are you interested in a Swiss Life mortgage, or do you have questions? We would be pleased to provide you with more information – in a personal and non-binding consultation. We would also be happy to advise you by video instead of in the General Agency or at your home.

Call the mortgage team

Give us a call! Our mortgage team would be pleased to assist you further.

You’re just two clicks away from your mortgages consultation!

We will be happy to advise you in a non-binding 15-minute phone conversation.

FAQs about mortgages

All of the key information related to home ownership and how to finance it can be found here.

Calculate the amount of the mortgage you can afford based on your budget.

  • Properties in Switzerland with a broad market and good resaleability
  • Owner-occupied single-family houses and condominiums used as a main residence
  • Multi-family houses with at least four residential units
  • Office and commercial buildings

The following are not financed:

  • Holiday homes and holiday apartments
  • Building land and building projects (building loans)
  • Properties with substantial renovation needs and a limited market
  • Direct amortisation: with a variable-rate mortgage, you can amortise the mortgage debt directly at any time with a notice period of three months.
  • Indirect amortisation: with a pillar 3a or 3b product, you’ll save assets for the subsequent amortisation with an annual contribution. Upon expiry of the contract, these assets are used to reduce the mortgage. This method is especially advisable for repaying a fixed-rate or SARON mortgage. In addition, with a pillar 3a product, you’ll also enjoy tax advantages.
  • Click here to find out more.

With an owner-occupied home, the second mortgage must be amortised within 15 years or by the time you reach age 65.

In the case of an early withdrawal or a pledge of second pillar assets (BVG), Swiss Life can request an additional amortisation.

If you pay off your fixed-rate mortgage before expiry of the agreed term, Swiss Life, as the creditor, will calculate the amount of the early repayment penalty individually.

Exception: if you sell your property before expiry of the agreed mortgage term, Swiss Life will not charge an early repayment penalty – provided you do not sell to your family/relative.