Houzy Renovation Calculator
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Mortgage ComparisonCompare terms and interest rates with just a few clicks

Simply compare interest rates and terms and combine the best offers from different providers.

free & neutral

the latest interest rates at a glance

in cooperation with UBS key4 mortgages

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Compare current interest rates and terms for your mortgage

Interest rates for mortgages are constantly changing and depend, among other things, on the type of mortgage. It's difficult to keep track of them all. And without an overview, you tend to pay too much - both for new loans and for refinancing. The mortgage comparison helps you to check the interest rates and terms of the latest mortgages at a glance. 

The calculation of mortgage interest depends on the mortgage model
Mainly three factors determine mortgage interest rates
Mortgage terms affect mortgage interest rates
Result of the Houzy Renovation calculator

Mortgage Comparison – How it works


Specify financing and property data

Enter a few data on real estate and financing.


Compare interest rates and terms

UBS key4 mortgages compares the latest interest rates and combines the best offers for you.


Receive non-binding offers

In a few seconds you will receive attractive, non-binding offers.

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Combine the best offers

You can save a lot of money with the right mortgage. Therefore, compare interest rates and terms before you take out a mortgage. For example, you can combine the most attractive offer for short terms with the best for long terms.

Attractive interest rates and terms of up to 15 years

Receive non-binding offers online immediately

Combine offers and save money

Find the right mortgage

Before you start looking for the right mortgage, you should be clear about your risk appetite, your financial leeway and your interest in financial markets.

The mortgage comparison takes your financial flexibility into account when choosing the best offers and helps you to get an overview of the latest interest rates.

Thanks to the large selection and transparent price comparison, you can choose the most attractive offer for each tranche. You can combine offers from different providers and thus create your own personal overall financing solution.

Expert knowledge at hand

We developed our mortgage comparison in cooperation with UBS key4 mortgages, the innovative real estate financing platform from UBS. UBS key4 mortgages combines the best offers from various providers for your optimized overall financing.

With just a few clicks on Houzy, you will receive non-binding offers for a new loans and for refinancing. You will then receive personal advice from UBS key4 mortgages. The financing experts are also at your side for the take out.

The offers displayed on app.houzy.ch are for illustrative purposes only and are based on the information you have entered. We offer you a selection of the lowest daily interest rates available on the UBS key4 mortgages platform. The UBS key4 mortgages products offered on this website are intended for and accessible to Swiss residents only.

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FAQs – Answers on our mortgage comparison

What do I have to consider if I want to extend or repay my mortgage?

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You can take out a mortgage up to 18 months in advance. If you regularly check the interest rate forecast and extend your loan at the right time, you can get a good interest rate. Pay attention to the terms and notice periods or the repossession conditions of the mortgage you want to extend. If you've split the mortgage into multiple installments, you should make sure that the overall funding still matches your risk profile (stable, balanced, or market-oriented) when you extend a tranche.

Before extending the mortgage, you should ask yourself if there is something fundamental that might change in your life in the near future:

  • Do you want to start a family?
  • Do you want to start your own business?
  • Do you want to plan your estate with foresight?
  • Do you want or need to pay off a mortgage?
  • Are you planning any renovations, improvements or alterations?
  • Do you need a higher mortgage for these measures?

Do you want to pay off a mortgage, i.e. pay it off at maturity or take out a mortgage with another provider? In this case, you need to know the terms of the mortgage you want to redeem. Although it usually comes at a cost, an early redemption can sometimes be a good idea because you can get a better mortgage.

What is the advantage of dividing my mortgage into tranches?

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With our partner key4 by UBS, you can split your mortgage into two or three tranches and conclude each tranche with a different bank, pension fund or investment foundation. This is how you optimize the interest burden. For example, if you combine a SARON mortgage from Provider A, a medium-term fixed-rate mortgage from Provider B, and a long-term fixed-rate mortgage from Provider C. In addition, you distribute the interest rate risk better because not the entire mortgage amount is due and must be extended at the same time, but only one tranche.

What is the maximum amount I can spend on my home?

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That depends on your gross household income (including 13th monthly wage or bonus payments) as well as equity (including savings, retirement savings and inheritance withdrawals).

  • Loan-to-value ratio: You need at least 20 percent equity. With 200,000 francs equity, the property may cost a maximum of 1 million francs (purchase price) or be worth (market value). Good to know: banks lend based on the lowest value principle.
  • Affordability: The total housing costs (imputed interest, amortization and property maintenance) must not exceed one third of your household income.

With our online Mortgage Comparison you can easily calculate how much your dream house or apartment can cost and how much income you need for it.

Which mortgage is right for me?

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This depends primarily on three factors:

  • Risk appetite: How do I deal with interest rate fluctuations?
  • Financial leeway: How large is my budget?
  • Interest in the financial market: How actively do I follow interest rate trends?

Your answers will help our consultants to recommend the best possible financing for you. It often makes sense to split the mortgage amount into 2 or 3 tranches. For example, a fixed-rate mortgage with a fixed term and fixed interest rate and a SARON variable-rate mortgage. Dividing up a mortgage is useful in order to spread the interest rate risk more effectively.

What information does Houzy need for the Mortgage Comparison?

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Our Mortgage Comparison will guide you safely through the process step by step. For the comparison and the offers we need a little bit of information from you:

  • Purchase price in Swiss francs
  • Address of the house or apartment (zip code, city, street and house number)
  • Type of use (main residence, holiday home or investment property)
  • Type of property (house, apartment or still under construction)
  • Household income in Swiss francs
  • Equity in Swiss francs

Once you have entered all the information, the Mortgage Comparison calculates the mortgage amount and gives you three non-binding offers. You only need to enter your name, email address and telephone number if you are interested in an offer.

What is a mortgage?

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When you buy a house or apartment, you need at least 20 percent equity. You finance the remaining amount with a mortgage from a bank, pension fund or investment foundation. The creditor lends you a maximum of 80 percent of the purchase price or market value: up to 65 percent as a 1st mortgage, the rest as a 2nd mortgage, which you have to repay (amortize) within 15 years or until you retire. For this you pay him a mortgage interest. Your property serves as loan security. If you fail to pay the interest or amortization, the creditor has the right to sell the house or apartment.

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