Rates compared
SARON mortgage: current rates compared
11 providers, cheapest guide rate from 0.71 % (as of 18 August 2026) — automatically collected and updated regularly.
With a SARON mortgage, the interest rate follows the Swiss money-market rate (compounded SARON) and is adjusted periodically — you benefit immediately from falling rates but also bear the risk of rising ones. Historically, the SARON (formerly Libor) mortgage has usually been the cheapest choice over long periods. Providers differ mainly in the margin they add on top of the SARON — and that difference is exactly what this comparison shows.
S SwissquoteBank | from 0.71 % |
| HHypomatBank | 0.92 % |
P PostFinanceBank | 1.00 % |
Asga Asga PensionskassePension fund | 1.02 % |
MB Migros BankBank | 1.10 % |
BS Bank SLMBank | 1.15 % |
AB acrevis BankBank | 1.20 % |
BB Bank BSU GenossenschaftBank | 1.20 % |
SG St. Galler KantonalbankBank | 1.20 % |
PK Post Pensionskasse PostPension fund | 1.24 % |
PB Pensionskasse BühlerPension fund | 1.24 % |
47 providers without an offer for “SARON” 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 SARON mortgage
How high are SARON mortgage rates at the moment?
As of 18 August 2026, the SARON mortgage in our comparison starts at from 0.71% (cheapest guide rate among 11 providers). The rates are collected automatically and updated regularly; your personal rate depends on loan-to-value, affordability and property use.
SARON or fixed-rate mortgage — which is cheaper?
Historically, the money-market-based mortgage has usually been cheaper than the fixed-rate mortgage over long periods — but without budget certainty. If you can absorb rate increases financially, SARON often works out better; if you need fixed housing costs, choose fixed. Many combine both models in tranches.
How quickly does a policy-rate change affect a SARON mortgage?
The SARON tracks the SNB policy rate almost immediately. When the National Bank changes the policy rate, it usually feeds through to your SARON mortgage with the next interest period (typically 1–3 months).
Related guides
Fixed or SARON mortgage: how to find the right model
Fixed-rate mortgage or SARON? A factual, well-founded comparison covering the 2026 rate environment, prepayment penalty, tranche strategy and sources – neutral and without sales pressure.
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Read moreWhich 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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