Mortgage in Switzerland: fixed rate or SARON, how should you choose?

Balancing stability and flexibility

A mortgage should be assessed against your budget, your risk tolerance and your plans for the property, not only against the lowest headline rate. A fixed rate offers visibility, while SARON-based financing can preserve flexibility.

The right choice comes from testing several scenarios. Look at how much variation your finances can absorb, how likely your project is to change and how the mortgage fits your broader wealth strategy.