Understanding mortgage rates
Your financing deserves clear guidance. Explore the rates recorded in October and the questions that help you compare offers for your circumstances.
The rates currently displayed
On 12 October 2026, Hypothèques Suisse Groupe displays 1.34% for SARON, 1.42% for a 5-year fixed rate, 1.68% for 10 years and 1.89% for 15 years. This is a record of the values shown by that website, with no commitment from Evora Immo. They can change and are not a personalised offer.
The SNB rate is a different indicator
On 24 September 2026, the Swiss National Bank kept its policy rate at 0%. This is not an individual borrower's mortgage rate. Ask for an offer specifying the term, fees and conditions applicable to your application.
Prepare your comparison
Note your remaining loan balance, maturity date and housing timeline. Request several proposals made on the same day using the same assumptions. Keep each document with its validity period so you can compare actual offers rather than isolated figures.
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