The interest rates listed below are indicative. Individually agreed interest objectives depend on the property, loan-to-value and creditworthiness.

Flexible additional options for a tailored mortgage
Option Flex:

If you take out Option Flex, Swiss Life waives the early repayment penalty on the sale of the property.

  • Option Flex is available for each mortgage tranche.
  • Option Flex is available for regular and green mortgages.
  • Option Flex can be added or terminated when concluding a new contract or extending a tranche.
  • The costs for Option Flex depend on the term.

Option Flex may not be taken out if you are selling the property to a “related party”.

Discounts on fixed-rate mortgages:
For customers of Swiss Life: have you chosen Home Option or Option Complete in the Swiss Life FlexSave Uno/Duo savings insurance? Or did you use Option Complete in the Swiss Life Dynamic Elements Uno/Duo or Swiss Life Immo Elements Uno/Duo savings and risk insurance? If so, we can offer you the following discounts on fixed-rate mortgages:

  • Terms up to nine years: 0.05% p.a.
  • Terms from ten years: 0.10% p.a.
  • Maximum mortgage discount: CHF 350 000

The green mortgage products cannot be combined with the preferential conditions of the Home Option or Option Complete of a Swiss Life insurance contract.

SARON (Basic interest rate) Basic interest rate
 + Interest margin
Green SARON interest margin Option Flex
3 months Basic interest rate (SARON)  + 0.80% 0.70% +0.05%

Term 3 or 5 years

SARON mortgages can only be concluded in combination with a fixed-rate or variable-rate mortgage, if the tranche amount is at least CHF 100 000 and the share in SARON mortgages does not exceed 30% of the total loan amount.

Mortgage Interest rate (per year)
1. Mortgage
2. Mortgage

«Did you use sustainable building standards during the construction or renovation of your property? If so, find out more about our green mortgages. You can then not only save on energy costs but will also benefit from attractive interest rates.» Green mortgages | Swiss Life



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Arrange a consultation

Are you interested in taking out a Swiss Life mortgage or do you have general questions regarding real eastate 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.

Personal offer

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