Mortgage rates for your plans
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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The September decision
On 24 September 2026, the SNB kept its policy rate at 0%. That rate is not the price of a mortgage. HSG also provides a guide explaining how this decision feeds through to property financing.
Looking at the whole offer
On 12 October, HSG displays rates including 1.34% for a SARON mortgage and 1.68% for a ten-year fixed mortgage. These are figures recorded from its website, not a personalised offer. Compare fees, terms and repayment options too.
A decision shaped by your timing
Before buying or renewing, note your deadlines and housing plans. Request proposals based on the same assumptions. A property valuation can inform that discussion, but does not replace an assessment of affordability.
Understand what gives your property its value.
Market figures provide context. The visit documents your property. The analysis brings the elements together to explain the assessed value.
Current value is based on documented uses, condition and rights. An extension or conversion project is presented separately with conditions to check. This distinction gives you a clear basis for decisions.
Understand our method