Lower interest rates due to market turbulences – CEO of Hypohaus AG in an interview with NZZ

The current developments in the capital market are catching the attention of property buyers: Mortgage interest rates in Switzerland continue to fall – both for Saron-based and fixed-rate mortgages. This situation offers significant savings potential for both prospective homeowners and existing borrowers. The company Hypohaus AG provided its expert assessment on this topic in a recent report by the Neue Zürcher Zeitung (NZZ).

Published on: April 22, 2025 | Reading time: approx. 2 minutes

Market turbulence pushes interest rates down

Mortgage rates in Switzerland are currently heading in only one direction: downwards. While Saron mortgages have already been offering attractive conditions for some time, fixed-rate mortgages are now also becoming cheaper. This development is driven by a combination of global uncertainty and dampened economic expectations. As reported by the NZZ am Sonntag, those who are well-informed and act strategically are now the ones who benefit the most.

Fabio Isler, CEO of Hypohaus AG, explains in the interview:

“Banks often pass on changes in the capital market with a delay.”

The key factors for success are therefore careful comparison and perfect timing.

You can read the full article in the Neue Zürcher Zeitung (NZZ) here.

Key takeaways: Why are interest rates falling?

Several factors are currently driving mortgage interest rates lower:

• Economic uncertainties, including ongoing trade conflicts

• Expansionary monetary policy by central banks such as the Swiss National Bank (SNB) and the European Central Bank (ECB)

• Falling swap rates, especially the two-year swap rate

These factors have led to significantly lower rates for both short-term Saron mortgages and longer-term fixed-rate mortgages.

Example calculation: Save thousands of francs

A young couple who took out a five-year fixed-rate mortgage in March 2025 at 1.35% could now obtain the same product at just 1.03%. Depending on the mortgage amount, this results in savings of several thousand francs per year.

Lock in now or wait?

The big question remains: Secure favorable rates now or wait for even better conditions? Financial experts are divided. While some advise caution and patience, there are strong arguments for locking in today’s attractive rates – especially for longer-term fixed mortgages.

Our recommendation at Hypohaus AG:

Do not let yourself be guided solely by interest rate percentages. Always compare offers from banks, insurance companies, and pension funds. This is where we at Hypohaus AG support you – with independent advice and tailored offer comparisons.

Conclusion: Acting now can pay off

Anyone planning to purchase a property or refinance an existing mortgage can benefit from the current interest rate environment. The combination of low financing costs and long-term security makes home ownership an especially attractive option – even if property prices remain high.

Let our experts assist you – independent, transparent, and personal.