Rates compared
Fixed-rate mortgage 5 years: current rates compared
49 providers, cheapest guide rate 1.07 % (as of 18 August 2026) — automatically collected and updated regularly.
The fixed-rate mortgage with a 5-year term is the middle ground between rate certainty and flexibility — and one of the most popular models in Switzerland. It fixes your housing costs for several years without tying you down as long as a 10- or 15-year mortgage. The rate differences between providers are substantial precisely in the medium maturity range — comparing pays off.
9 providers without an offer for “Fixed 5 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 5 years
How high are Fixed-rate mortgage 5 years rates at the moment?
As of 18 August 2026, the Fixed-rate mortgage 5 years in our comparison starts at 1.07% (cheapest guide rate among 49 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 5-year term suitable for?
For anyone who wants rate certainty without committing for a decade — the most popular compromise. When the mortgage expires, you can renegotiate or switch models.
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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