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Understand what’s changing in property.

News and advice to understand the market and prepare your plans at your own pace.

Mortgage benchmarks

Recorded on 12 October 2026 · Source HSG

SARON mortgage
1.34%
Fixed 5 years
1.42%
Fixed 10 years
1.68%

Values displayed by HSG on this date, subject to change. Your offer depends on your application. Understand these rates

Property news

Illustrative image — The reference interest rate stays at 1.25%

The reference interest rate stays at 1.25%

Renting

The benchmark used for many rents is unchanged. Landlords should start by reviewing their leases and previous adjustments.

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Illustrative image — Fewer vacant homes in Switzerland

Fewer vacant homes in Switzerland

Property market

The latest national figures show a tighter supply of available homes. When selling, buying or renting, your municipality and property type still matter.

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Illustrative image — Home ownership takes long-term preparation

Home ownership takes long-term preparation

Financing

A new federal report examines the obstacles to home ownership. Preparing your financing and choosing a home remain personal steps.

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Illustrative image — Renovation support remains worth considering

Renovation support remains worth considering

Renovation

The Buildings Programme’s results underline the importance of energy renovation. Start by documenting your home’s current condition and checking support suited to your project.

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Illustrative image — Pillar 3a offers a new option in 2026

Pillar 3a offers a new option in 2026

Tax

The first catch-up contributions can cover a gap from 2025. Before including them in your property plans, check eligibility and the cash you will need.

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Illustrative image — Short-term letting deserves a considered plan

Short-term letting deserves a considered plan

Renting

The Federal Office for Housing has updated its booking-platforms dossier. Owners should compare potential receipts with local rules and actual costs.

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Illustrative image — Mortgage rates for your plans

Mortgage rates for your plans

Financing

The SNB has kept its policy rate at zero. For your home, the key is still to compare financing that suits your circumstances.

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Illustrative image — Prices change, and every property differs

Prices change, and every property differs

Property market

The second-quarter 2026 barometer reports rising prices. For your home, the market trend is a starting point that needs closer examination.

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Illustrative image — Imputed rental value, preparing for 2029

Imputed rental value, preparing for 2029

Tax

The reform now has an implementation date. Gather the information you need to understand its effect on your property and finances.

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Illustrative image — A fresh look at your financing

A fresh look at your financing

Financing

Pension funds are also part of the mortgage market. Their presence offers another comparison option to examine against your circumstances.

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Illustrative image — A Geneva neighbourhood comes to life

A Geneva neighbourhood comes to life

Neighbourhood life

The inauguration of Cour de Vessy is a reminder that a property development also comes to life through its residents and their connections.

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Illustrative image — Reading the market with perspective

Reading the market with perspective

Property market

Indicators shed light on market trends. They are most useful alongside the figures for your own plans and room for unexpected costs.

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Guidance for your property

Illustrative image — Selling your home in retirement

Selling your home in retirement

Préparer la suite

Your home has been part of your life. As you plan what comes next, take time to consider the home, budget and everyday life that will suit you.

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Illustrative image — Passing on a property and planning ahead

Passing on a property and planning ahead

Passing on property

Passing on a family property starts with a conversation. An explained valuation gives everyone a shared starting point before discussing the options with a notary.

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Illustrative image — Planning your budget before buying

Planning your budget before buying

Budget

Planning a purchase goes beyond the asking price. Allow for notary and acquisition costs to build a budget that fits your plans.

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Illustrative image — Understanding the value of a rural property

Understanding the value of a rural property

Rural property

A house, a barn and a garden form a distinctive whole. Understanding how each space is used is the first step towards assessing its value.

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Illustrative image — Understanding mortgage rates

Understanding mortgage rates

Financing

Your financing deserves clear guidance. Explore the rates recorded in October and the questions that help you compare offers for your circumstances.

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Illustrative image — Choosing a property partner you can trust

Choosing a property partner you can trust

Selling

Entrusting your property begins with trust. Take time to get to know your adviser, their approach and the commitments they offer.

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Illustrative image — Exploring the potential of your land

Exploring the potential of your land

My property

Understand your plot through its rights, constraints and renovation opportunities. These documents and questions help prepare your project.

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Illustrative image — Choosing the right improvements before selling

Choosing the right improvements before selling

My property

Before starting any work, take a step back. Identify the improvements that support your sale, taking your budget and timing into account.

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Illustrative image — A home for your next chapter

A home for your next chapter

Living well

Your next home should suit the life you want to lead there. Access, local shops and being close to loved ones will help you find your new bearings.

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Illustrative image — Preparing the paperwork for your home

Preparing the paperwork for your home

Selling

Plans, renovations and useful documents also tell the story of your home. Bringing them together in a clear file helps with the valuation and your first conversations with an adviser.

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Land use shapes a property’s value.

A plot’s value depends on permitted uses and rights. A field and a building plot of the same size serve different markets.

Agricultural zoneAgricultural use and rural framework
Approved planAnd in force
Building zoneRights and infrastructure to check
A zoning change may affect value. It cannot be assumed.

Changing agricultural land into building land requires an approved plan that has entered into force. Being near a station or motorway is not enough. Building rights, infrastructure, easements and project costs must then be assessed. In Vaud, residential building zones are sized according to needs over 15 years.

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Understand with official sources

Sources accessed on 13 October 2026. Vaud examples must be checked for the relevant canton, municipality and plot.

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