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Zero rate stays, December draws closer: how to protect your mortgage against the next rate move

On 24 September 2026, the Swiss National Bank once again left its policy rate at 0 percent. At first glance, that is good news for anyone who has a mortgage or will need one soon. On closer inspection it is more of a breather: inflation rose to 0.8 percent in August, according to media reports the National Bank has revised its forecasts for inflation and growth upwards, and the market is already talking about a first rate step in December. Anyone who has to renew a mortgage next year or the year after would do well to look at the scenarios now – not out of panic, but out of diligence.

A mortgage at 1.4 per cent – calculated at 5: why affordability decides your purchase

At first glance the situation for buyers looks comfortable: the National Bank has kept its policy rate at zero per cent for some time, and in early August 2026 ten-year fixed-rate mortgages were available at around 1.6 per cent and five-year ones at around 1.4 per cent. Nevertheless, many prospective buyers are turned down by the bank – not because they could not afford the interest, but because the bank calculates with entirely different figures from the market. Anyone who understands this mechanism enters a financing discussion far more calmly and knows in advance which property is realistically within reach.

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.

SARON or fixed-rate mortgage? Making the right choice in 2026

The Swiss National Bank held its benchmark rate at zero percent on 18 June 2026. For homeowners and prospective buyers, this raises an urgent question: SARON mortgage or fixed-rate mortgage – which is the better choice right now? Both models have clear advantages and disadvantages in 2026 that need to be carefully weighed.

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