SARON or fixed-rate mortgage? Making the right choice in 2026
- Christian Müller
- 30. June 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.
What the Numbers Tell Us
SARON mortgages currently stand at around 0.75 to 1.30 percent, while 10-year fixed-rate mortgages cost between 1.25 and 1.90 percent. At first glance, the SARON looks more attractive – but the picture is more nuanced: capital market rates have edged up since late February, and experts see moderate upward pressure on longer maturities. Locking in a fixed-rate mortgage today still secures long-term planning certainty at comparatively low conditions.
Which Strategy Is Right for You?
Those with sufficient financial reserves who can absorb short-term rate fluctuations will benefit from a SARON mortgage. Those who value stability or want to plan their financing over the long term should consider a fixed-rate mortgage or a blended approach: many advisers recommend splitting the mortgage – for example, half as SARON and half as a medium-term fixed-rate mortgage. This combines the benefits of both models.
The optimal strategy depends on individual circumstances, equity, and risk appetite – we are happy to advise you personally.
Kontakt
- Müller Prime GmbH
- Bürgermatt 3
- 6343 Holzhäusern
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