Baloise
Baloise combines insurance and pension solutions with a focused mortgage offering for owner-occupied homes. Its strength lies in long fixed-rate mortgages with predictable terms of up to 25 years.
- Fixed mortgages up to 25 years
- Focus on owner-occupied property
- Direct or indirect amortisation available
Key facts
- Category
- Insurer
- Models & terms
- Variable, Fixed 2–10 years
Rate history
Monthly interest-rate trend (Fixed 10 years), compiled from public market data.
Current terms
| Model & term | Guide rate |
|---|---|
| Variable | 2.88 % |
| Fixed 2 years | 1.50 % |
| Fixed 3 years | 1.62 % |
| Fixed 4 years | 1.68 % |
| Fixed 5 years | 1.78 % |
| Fixed 6 years | 1.84 % |
| Fixed 7 years | 1.90 % |
| Fixed 8 years | 1.95 % |
| Fixed 9 years | 2.00 % |
| Fixed 10 years | 2.05 % |
Automatically collected guide rates — last synchronised on 17 August 2026. Not an offer — only the provider's own terms apply.
Related guides
Mortgage comparison Switzerland: banks, insurers and pension funds
Why a systematic comparison pays off: banks, insurers and pension funds side by side – conditions, strengths, limits. Neutral and with sources.
Read moreWhich mortgage to take out now so you still have room to manoeuvre in 2029
The system change does not alter which mortgage model is better – it alters which expiry date and which contract clauses you need. What term, amortisation rights and tranche planning have to do with 1 January 2029, with the current indicative rates across all terms.
Read moreIs Baloise the right fit for your project?
Start the comparison — we will show you how Baloise compares with all other providers for your property use and term.
Request an offer