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Mortgage Refinancing in Switzerland: Save on Interest Costs with KreditSOS

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Do you already have a mortgage and want to optimize it? Mortgage refinancing offers you the chance to lower your monthly payments, improve terms, or gain more flexibility. With KreditSOS, you can quickly and easily compare the best offers for a mortgage change in Switzerland and secure top conditions for your property financing.

Is Mortgage Refinancing Right for You?

Refinancing, also known as a mortgage change, can be beneficial for various reasons:

  • Secure Lower Interest Rates: If market rates have fallen, you can benefit from better conditions.

  • Fixed-Rate Expiry: If your fixed-rate mortgage is expiring, it's the ideal time for a change.

  • Change Mortgage Type: Switch from a fixed-rate mortgage to a SARON mortgage (or vice versa) to gain flexibility or planning certainty.

  • Utilize Property Value Increase: A new valuation can open up new financing possibilities.

  • Sale or Change of Use: Adapt financing to new life circumstances.

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Use our comparison tool to find out when and how you can best refinance your mortgage.

How Mortgage Refinancing Works with KreditSOS

Refinancing your mortgage doesn't have to be complicated. KreditSOS makes the process simple and transparent:

  1. Enter Your Data: Fill out our online form with details about your existing mortgage and your preferences.

  2. Compare Offers: Our system analyzes the market and presents you with tailored offers from leading Swiss banks and providers for your mortgage change.

  3. Choose Your Best Offer: Clearly compare interest rates, terms, and conditions, and select the offer that suits you best.

  4. Apply for Refinancing: We support you through the application process and ensure a smooth transition to your new, optimized mortgage.

When Is the Best Time for Mortgage Refinancing?

The ideal time for a mortgage change depends on various factors:

  • End of Fixed-Rate Period: This is usually the most natural time, as no early repayment penalties apply. Start planning about 12-18 months in advance.

  • Lower Interest Rate Environment: If current market interest rates are significantly below your existing rate, refinancing can be beneficial despite potential costs.

  • Change in Life Situation: Whether due to an increase in your property's value, a change in your income, or the desire for more flexibility.

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Our calculator considers these factors to show you the optimal strategy for your mortgage refinancing in Switzerland.

Typical Costs and Pitfalls of Mortgage Refinancing

Refinancing can save interest costs, but it also involves potential expenses you should consider:

  • Early Repayment Penalty: Occurs if you terminate a fixed-rate mortgage prematurely. These costs must be weighed against potential interest savings.

  • Land Register Amendment Fees: Notary and land register fees for the new registration of the mortgage.

  • Valuation Costs: If a new property valuation is necessary.

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With KreditSOS, you receive transparent information about all incurred costs, allowing you to make an informed decision.

Your Advantages of Comparing with KreditSOS

Maximum Savings: Find the lowest interest rates thanks to our comprehensive comparison and optimize your monthly payments.

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Time Savings: No lengthy research or bank appointments. Everything is convenient online and takes just a few minutes.

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Transparent Conditions: We clearly list all relevant costs and conditions, so you won't be surprised by hidden fees.

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Independent Advice: As your independent partner, we find the best offer for you, not for the bank.

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Wide Provider Selection: Compare offers from reputable Swiss banks and financial institutions.


Find the best mortgage deals for your needs now and start planning your new home.

Our Financial Partners for Your Mortgage Refinancing

We work closely with leading banks and mortgage providers in Switzerland to guarantee you the best options for your change.

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Useful Guides and Resources for Mortgage Refinancing

Deepen your knowledge about mortgage changes and property financing with our detailed guides:

  • The Best Fixed-Rate Mortgages in Switzerland

  • What are SARON Mortgages and When Are They Worthwhile?

  • Current Mortgage Interest Rates in Switzerland

Frequently Asked Questions (FAQ) about Mortgage Refinancing in Switzerland

Here you will find answers to the most common questions about changing and optimizing your mortgage in Switzerland.

  • What does mortgage refinancing mean?

    • Mortgage refinancing means you take out your existing mortgage with a new provider or renegotiate the terms with your current provider to obtain better conditions (e.g., lower interest rates).

  • When can I refinance my mortgage?

    • The ideal time is usually just before your fixed-rate period expires. Early refinancing is possible but can incur costs (early repayment penalty).

  • What costs are involved in mortgage refinancing?

    • Potential costs include early repayment penalties for early termination of a fixed-rate mortgage, notary and land register fees for the new registration, and any property valuation costs.

  • Can my monthly payment change through refinancing?

    • Yes, this is often the main goal. Lower interest rates or an adjusted term can significantly reduce your monthly payments.

  • Is KreditSOS's comparison service for refinancing free?

    • Yes, our service is completely free and non-binding for you. We receive a commission from financial partners when a contract is concluded.

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Ready to optimize your mortgage and save on interest costs? Start Your Free Comparison with KreditSOS Now!

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