In this article
Key points
- In March, Swiss federal bond yields and mortgage rates rose significantly.
- The SNB policy rate stands at 0.25%: this may be the last cut in the current cycle.
- Fixed rates are expected to settle at more moderate levels.
- In a volatile market, a broker compares lenders and tailors the financing to your project.
A mortgage is a long-term commitment: it is essential to choose it carefully and to secure the best possible financing terms.
In this article, we analyse the current mortgage market and explain how our expertise helps you navigate this changing environment with confidence.
A changing mortgage market
The mortgage rate market has seen several upheavals in recent months. In March, Swiss federal bond yields and mortgage rates rose significantly, as a result of a chain of events that started in Germany:
- the German government announces a massive fiscal package and relaxes its debt rules
- German bond yields rise
- in a domino effect, Swiss rates follow
The Swiss National Bank’s stance
The monetary policy of the Swiss National Bank (SNB) remains one of the most important influences on interest rates in Switzerland. With inflation under control and economic risks in the eurozone, the SNB recently adjusted its policy rate.
Why rely on our expertise?
With volatile rates and uncertain monetary policy decisions, a reliable partner makes all the difference when choosing your mortgage:
- In-depth market knowledge: accurate, up-to-date analysis for informed decisions suited to your situation.
- Personal advice: our mortgage brokers analyse your financial profile and propose tailored financing that maximises the advantages and limits the risks.
- A wide choice of lenders: fixed-rate or SARON, short or long term, so you can choose the best offer on the market.
- Support at every stage: from finding the offer to signing, including the paperwork, in a smooth and transparent process.
Every property project is unique.
Loïc Tschirren, Assidu
Conclusion
Whether you are a first-time buyer or an experienced investor, today’s mortgage market offers opportunities, but also challenges.
Relying on experts gives you the means to navigate this complex market and secure the best financing terms. We guide you at every stage, with solutions suited to your needs and financial goals. Contact us for a free consultation.
Head of Mortgage Financing · Certified Financial Advisor IAF
