Independent comparison — paid by the provider, not by you
The best mortgages for your situation — compared by property use
Owner-occupied home, buy-to-let or holiday home: banks, pension funds and insurers offer very different terms. Three questions — and you will see who fits your project.
- 1Property use
- 2Finances
- 3Preferences
What would you like to finance?
Current indicative rates
SARON mortgage
from 0.71 %
11 providers compared
SARON mortgage →Fixed-rate mortgage 5 years
1.07 %
49 providers compared
Fixed-rate mortgage 5 years →Fixed-rate mortgage 10 years
1.36 %
49 providers compared
Fixed-rate mortgage 10 years →Best conditions (indicative rates) from providers, collected automatically — as of 18 August 2026. Your personal rate depends on loan-to-value, affordability and property use and may differ. Not an offer.
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Why hypox.ch?
Property use first
Owner-occupied, buy-to-let or holiday home: we only show providers that actually finance your type of property — including their loan-to-value limits.
All provider categories
Beyond banks, we also compare pension funds with often lower rates and insurers with particularly long terms — clearly labelled by category.
Fixed fee instead of commission
hypox earns the same on every brokered mortgage — no matter which provider. If a provider pays more, we pass the surplus on to you. So we have no reason to steer you towards any particular provider.
More about our model →Related guides
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Read moreFrequently asked questions
What is the difference between a SARON and a fixed-rate mortgage?
With a SARON mortgage, the rate follows the Swiss money-market rate (SARON) and can rise or fall. With a fixed-rate mortgage, the rate is locked in for the entire term — you get full budget certainty but forgo potential rate cuts.
Why are pension-fund mortgages often cheaper?
Pension funds grant mortgages directly from their investment assets and have lower distribution costs than banks. In return, the criteria are stricter: usually only owner-occupied residential property with a low loan-to-value ratio (65–70%) is financed.
Why does the property's use matter so much?
Providers distinguish sharply between owner-occupied homes, buy-to-let properties and holiday homes: only few providers finance buy-to-let — usually with a rate surcharge — and holiday homes only at reduced loan-to-value. That is why our comparison filters consistently by property use.
What does affordability mean?
The running costs of the property (an imputed rate of around 5%, amortisation and maintenance) should generally not exceed one third of your gross income. Providers deliberately calculate with a higher rate than the current one to cushion rate increases.
How much equity do I need?
For owner-occupied residential property you need at least 20% of the purchase price, of which at least 10% must be 'hard' equity (not from your pension fund). For buy-to-let and holiday homes, providers usually require 25–40% equity.
Why do insurers offer particularly long terms?
Insurers have long-term liabilities and therefore look for long-term investments. Fixed mortgages with terms of 15 to 25 years fit their business model — with banks, offers beyond 15 years are rare.
Why is hypox free for me?
Because the provider pays our brokerage fee, not you. The fee follows a fixed, public formula and is calculated identically for all providers — it is not passed on to you.
Does the hypox fee affect my interest rate?
No. Because the fee is calculated the same way for all providers, no provider has an advantage in our comparison. Results are sorted purely by conditions — above all the interest rate.
What happens to provider commissions?
If a provider pays more than our fixed fee, we pass the surplus on to you. We only keep the fee according to the published formula — that is how our model works.