Swiss Life
Swiss Life is Switzerland's largest life insurer and offers the longest fixed-rate mortgages in the market. If you are looking for rate certainty over 15, 20 or 25 years, you will find the widest choice here — often combined with indirect amortisation via pillar 3a.
- Terms up to 25 years — longest in the market
- Indirect amortisation via pillar 3a
- Stable, long-term oriented provider
Key facts
- Category
- Insurer
- Models & terms
- Fixed 3–15 years
Rate history
Monthly interest-rate trend (Fixed 10 years), compiled from public market data.
Current terms
| Model & term | Guide rate |
|---|---|
| Fixed 3 years | 1.33 % |
| Fixed 4 years | 1.37 % |
| Fixed 5 years | 1.38 % |
| Fixed 6 years | 1.43 % |
| Fixed 7 years | 1.49 % |
| Fixed 8 years | 1.51 % |
| Fixed 9 years | 1.54 % |
| Fixed 10 years | 1.57 % |
| Fixed 11 years | 1.61 % |
| Fixed 12 years | 1.65 % |
| Fixed 13 years | 1.72 % |
| Fixed 14 years | 1.77 % |
| Fixed 15 years | 1.80 % |
Automatically collected guide rates — last synchronised on 17 August 2026. Not an offer — only the provider's own terms apply.
Related guides
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Read moreIs Swiss Life the right fit for your project?
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