Rates compared

Fixed-rate mortgage 15 years: current rates compared

18 providers, cheapest guide rate 1.62 % (as of 18 August 2026) — automatically collected and updated regularly.

With a fixed-rate mortgage over 15 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.

Product


UKUBS key4Bank	1.62 %
SLSwiss LifeInsurerInsurer with the longest terms in the market — fixed mortgages up to 25 years.	1.80 %
MMobiliarInsurer	1.82 %
VVVaudoise VersicherungenInsurer	1.84 %
PK PostPensionskasse PostPension fundPension fund with solid terms for classic owner-occupied homes and conservative lending criteria.	1.88 %
HHypomatBank	1.88 %
CCPCNPension fund	1.90 %
PSPensionskasse Stadt WinterthurPension fund	1.91 %
AXAAXAInsurerInsurer with a broad offering, one of the few also financing buy-to-let properties.	1.95 %
PPostFinanceBank	1.97 %
BEBank EKIBank	2.10 %
GKGlarner Kantonalbank (GLKB)Bank	2.21 %
GKGraubündner KantonalbankBank	2.21 %
BABank averaBank	2.30 %
ClerBank ClerBankDigital Swiss bank with lean processes for owner-occupied homes and holiday houses.	2.31 %
ZKBZürcher KantonalbankBankCantonal bank with attractive terms, primarily financing properties in the canton of Zurich.	2.34 %
RRaiffeisen (Durchschnitt)Bank	2.47 %
RRaiffeisenBank	2.48 %

40 providers without an offer for “Fixed 15 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.

Frequently asked questions about the Fixed-rate mortgage 15 years

How high are Fixed-rate mortgage 15 years rates at the moment?

As of 18 August 2026, the Fixed-rate mortgage 15 years in our comparison starts at 1.62% (cheapest guide rate among 18 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 15-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.

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