Rates compared
Fixed-rate mortgage 13 years: current rates compared
17 providers, cheapest guide rate 1.55 % (as of 18 August 2026) — automatically collected and updated regularly.
With a fixed-rate mortgage over 13 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 | 1.55 % |
SL Swiss LifeInsurer | 1.72 % |
M MobiliarInsurer | 1.76 % |
VV Vaudoise VersicherungenInsurer | 1.78 % |
PK Post Pensionskasse PostPension fund | 1.82 % |
| HHypomatBank | 1.82 % |
C CPCNPension fund | 1.84 % |
| PSPensionskasse Stadt WinterthurPension fund | 1.85 % |
P PostFinanceBank | 1.92 % |
BE Bank EKIBank | 2.05 % |
| GK | 2.15 % |
GK Graubündner KantonalbankBank | 2.15 % |
| BABank averaBank | 2.23 % |
Cler Bank ClerBank | 2.25 % |
ZKB Zürcher KantonalbankBank | 2.27 % |
R RaiffeisenBank | 2.41 % |
| RRaiffeisen (Durchschnitt)Bank | 2.41 % |
41 providers without an offer for “Fixed 13 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 13 years worth it?
Thirteen years sits between the two long runners of 10 and 15 years : long-term budget security without committing for the full decade and a half. Since the yield curve is flat at the long end, the premium over ten years is often moderate.
Its real strength is fine-tuning the renewal date: if you want the term to end exactly at retirement, a planned amortisation or the sale of a second property, an odd term is more precise than the standard grid. The Swiss tax transition from 2029 also favours long commitments — our analysis on choosing a mortgage before 2029 walks through the scenarios.
As with all terms beyond ten years, the provider pool is small — mainly insurers and pension funds. The few published guide rates differ considerably, though: comparing them matters more here than on the contested standard terms.
Frequently asked questions about the Fixed-rate mortgage 13 years
How high are Fixed-rate mortgage 13 years rates at the moment?
As of 18 August 2026, the Fixed-rate mortgage 13 years in our comparison starts at 1.55% (cheapest guide rate among 17 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 13-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.
Who is a 13-year fixed mortgage for?
For anyone who wants the renewal date to land on a specific event — retirement, a planned amortisation from pillar 3a, or the end of the imputed rental value from 2029 — while keeping long-term budget certainty. The standard grid of 10 or 15 years rarely hits such dates precisely.
13 or 15 years — which term to choose?
Fifteen years offers maximum rate security but the longest commitment and potentially the highest early-exit penalty. Thirteen years delivers almost the same predictability with somewhat more flexibility. What decides it is the actual rate difference in the comparison — it varies considerably between providers.
Related guides
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