Rates compared
Fixed-rate mortgage 11 years: current rates compared
20 providers, cheapest guide rate 1.47 % (as of 18 August 2026) — automatically collected and updated regularly.
With a fixed-rate mortgage over 11 years you lock in today's rate level for the long run and make your housing costs predictable over the entire term — attractive for security-minded buyers and in low-rate phases. Note: exiting early is usually expensive (prepayment penalty), and long terms are offered mainly by insurers and pension funds besides banks.
UK UBS key4Bank | 1.47 % |
SL Swiss LifeInsurer | 1.61 % |
LP Luzerner PensionskassePension fund | 1.67 % |
PK Post Pensionskasse PostPension fund | 1.68 % |
C CPCNPension fund | 1.68 % |
M MobiliarInsurer | 1.68 % |
BVK BVK PersonalvorsorgePension fund | 1.69 % |
VV Vaudoise VersicherungenInsurer | 1.71 % |
| HHypomatBank | 1.74 % |
| PSPensionskasse Stadt WinterthurPension fund | 1.77 % |
P PostFinanceBank | 1.84 % |
PB Pensionskasse BühlerPension fund | 1.88 % |
BE Bank EKIBank | 1.95 % |
GK Graubündner KantonalbankBank | 2.07 % |
| GK | 2.08 % |
| BABank averaBank | 2.15 % |
Cler Bank ClerBank | 2.16 % |
ZKB Zürcher KantonalbankBank | 2.20 % |
R RaiffeisenBank | 2.26 % |
| RRaiffeisen (Durchschnitt)Bank | 2.27 % |
38 providers without an offer for “Fixed 11 years” hidden.
Guide rates independent of property use and loan-to-value — automatically collected, last synchronised on 18 August 2026. Not an offer — only the providers' own terms apply.
When is the Fixed-rate mortgage 11 years worth it?
Eleven years is one year beyond the Swiss standard of ten — and that is exactly the appeal: at the long end the yield curve is usually flat, so the premium over a 10-year fixed mortgage is often small. If you want a long commitment anyway, the eleventh year buys additional rate security at little extra cost.
A second reason is the Swiss tax reform: from 2029 the imputed rental value and most mortgage-interest deductions disappear. If you close a mortgage today and deliberately want the renewal date to fall after that transition, you quickly end up at eleven years or more. We ran the numbers in our guide on which mortgage to take before 2029 .
“Odd” terms are published by far fewer providers than the standard years — mostly insurers and pension funds with long investment horizons. Precisely because the market is thin, comparing the few published rates pays off. Alternatives: the 10-year term with more competition, or the 15-year fixed mortgage with maximum security — but correspondingly higher early-exit penalties.
Frequently asked questions about the Fixed-rate mortgage 11 years
How high are Fixed-rate mortgage 11 years rates at the moment?
As of 18 August 2026, the Fixed-rate mortgage 11 years in our comparison starts at 1.47% (cheapest guide rate among 20 providers). The rates are collected automatically and updated regularly; your personal rate depends on loan-to-value, affordability and property use.
Who is a fixed-rate mortgage with a 11-year term suitable for?
For security-minded owners who want to fix their housing costs for the long term — particularly attractive when the rate level is low. Important: exiting early usually costs a prepayment penalty.
Can I combine different terms?
Yes — many split the mortgage into tranches with different terms (or combine fixed and SARON). This smooths the rollover risk but ties you more closely to the provider, because tranches rarely expire at the same time.
Why do so few providers offer 11-year fixed mortgages?
Banks mostly advertise the standard grid (2, 5, 10 years). Longer terms are harder to refinance on the capital market — they suit insurers and pension funds, which match long-term liabilities with long-term assets. Many of these providers quote on request rather than with shop-window rates; a neutral comparison of the published guide rates is the best starting point.
10 or 11 years — what is the difference?
Because the yield curve is flat at the long end, the surcharge for the eleventh year is usually small. In return, the renewal date moves out by a year — useful if it should not coincide with another tranche, or if you want to bridge the transition into the new Swiss tax regime from 2029.
Related guides
Which 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.
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