Rates compared

Fixed-rate mortgage 7 years: current rates compared

50 providers, cheapest guide rate 1.21 % (as of 18 August 2026) — automatically collected and updated regularly.

The fixed-rate mortgage with a 7-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.

Product


UKUBS key4Bank	1.21 %
AsgaAsga PensionskassePension fundPension fund with attractive terms for owner-occupied homes and — at low loan-to-value — holiday houses.	1.36 %
MBMigros Bank Online HypothekBank	1.47 %
MMobiliarInsurer	1.48 %
SLSwiss LifeInsurerInsurer with the longest terms in the market — fixed mortgages up to 25 years.	1.49 %
CCPCNPension fund	1.49 %
PK PostPensionskasse PostPension fundPension fund with solid terms for classic owner-occupied homes and conservative lending criteria.	1.50 %
BVKBVK PersonalvorsorgePension fundPension fund with very low rates, financing owner-occupied residential property exclusively.	1.51 %
VVVaudoise VersicherungenInsurer	1.51 %
LPLuzerner PensionskassePension fund	1.52 %
PPPVK Personalvorsorgekasse der Stadt BernPension fund	1.52 %
SSwissquoteBank	from 1.52 %
GVGenerali VersicherungInsurer	1.53 %
PSPensionskasse SBBPension fund	1.53 %
AXAAXAInsurerInsurer with a broad offering, one of the few also financing buy-to-let properties.	1.55 %
HHypomatBank	1.55 %
PSPensionskasse Stadt WinterthurPension fund	1.59 %
PPostFinanceBank	1.63 %
BOBaloise Online HypothekInsurer	1.64 %
BEBank EEKBank	1.65 %
AKAppenzeller KantonalbankBank	1.70 %
BPBanca Popolare di SondrioBank	1.70 %
BEBank EKIBank	1.70 %
CSClientis Spar- & Leihkasse ThayngenBank	1.70 %
PBPensionskasse BühlerPension fund	1.70 %
BSBank SLMBank	1.77 %
BIBank in ZuzwilBank	1.78 %
MBMigros BankBank	1.79 %
ZKZuger Kantonalbank (ZugerKB)Bank	1.79 %
CBClientis BS Bank SchaffhausenBank	1.80 %
GKGraubündner KantonalbankBank	1.81 %
BBBank BSU GenossenschaftBank	1.83 %
HLHypothekarbank LenzburgBank	1.84 %
SLSpar+ Leihkasse Gürbetal SLGBank	1.84 %
ABacrevis BankBank	1.85 %
ABAEK Bank 1826Bank	1.85 %
BABank averaBank	1.86 %
BTBank ThalwilBank	1.86 %
BBBaloise BankBank	1.87 %
RRaiffeisenBank	1.87 %
LKLuzerner Kantonalbank (LUKB)Bank	1.88 %
ClerBank ClerBankDigital Swiss bank with lean processes for owner-occupied homes and holiday houses.	1.89 %
GKGlarner Kantonalbank (GLKB)Bank	1.89 %
ZKBZürcher KantonalbankBankCantonal bank with attractive terms, primarily financing properties in the canton of Zurich.	1.90 %
BaloiseBaloiseInsurerInsurer focused on long-term fixed mortgages for owner-occupied homes.	1.90 %
RRaiffeisen (Durchschnitt)Bank	1.90 %
SGSt. Galler KantonalbankBank	1.90 %
VValiantBank	1.90 %
ZLZürcher LandbankBank	1.90 %
BCBanque Cantonale VaudoiseBank	1.95 %

8 providers without an offer for “Fixed 7 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 7 years

How high are Fixed-rate mortgage 7 years rates at the moment?

As of 18 August 2026, the Fixed-rate mortgage 7 years in our comparison starts at 1.21% (cheapest guide rate among 50 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 7-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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Mortgage comparison Switzerland: banks, insurers and pension funds

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Which provider fits your project?

Property use, loan-to-value and affordability all matter — our comparison shows in three steps which providers actually finance your property.

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