Fixed vs. SARON Mortgage
Compare total interest on a fixed-rate and a variable SARON mortgage under a rate scenario.
- Total interest, SARON
- CHF 49β000
- Difference (SARON β fixed)
- CHF -7β000
- Average SARON mortgage rate
- 1.40 %
- Cheaper option
- SARON
- Total interest, fixed
- Total interest, SARON
Learn more
SARON vs. Fixed-Rate Mortgage: Which One Should You Choose?
Understand the mortgage types available in Switzerland and how to weigh certainty against cost.
π 5 min readHow to Negotiate a Better Mortgage in Switzerland
Where margins differ, when to ask and why brokers and early renewals can save thousands.
π 4 min readStress-Testing Your Mortgage: Can You Handle Higher Rates?
A simple way to test your budget against rate rises and falling income.
More calculators: Mortgage & Property
Mortgage Affordability Calculator
Check the Swiss banksβ rules: 20 % equity and housing costs below one third of income.
π Mortgage & PropertyMortgage Monthly Cost
Interest and amortization of your Swiss mortgage.
π Mortgage & PropertyDirect vs. Indirect Amortization
Compare repaying the mortgage directly or paying into a pillar 3a account.
π Mortgage & PropertyEquity & Closing Costs Needed
Calculate the cash you need to buy a home in Switzerland.
π Mortgage & PropertyProperty Transfer Tax & Notary Costs
Estimate transfer tax and land-registry fees for a Swiss property purchase.
π Mortgage & PropertyRent vs. Buy Calculator
Compare the cost of owning against renting over a holding period.