Mortgage rates at a one-year low: Why now is the zime to look at your renewal
Anyone taking out or renewing a mortgage right now will find conditions last seen about a year ago: as of early July 2026, ten-year fixed-rate mortgages are available from around 1.45 percent, and five-year terms at around 1.2 percent. The Swiss National Bank left its policy rate unchanged at 0 percent on 18 June 2026, and most forecasts assume it will stay at this level until the end of the year. For owners whose fixed-rate mortgage expires within the next one to three years, this is a comfortable – but by no means guaranteed – starting position. We explain why an early look at your renewal pays off, and for whom a forward mortgage may be worth considering.
