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Mortgage rates at a one-year low

By Vincent Privet
Reading time: 1 minutes

With the rise in mortgage interest rates since the beginning of 2022, many prospective home and property owners had to reconsider their purchase. But we have good news: interest rates are at a one-year low, and the winter season is coming, meaning now may be a good time to buy.

Key takeaways
  • Lowest mortgage rates in over a year
  • Large offer in the market
  • Winter season is for buyers

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Interest rates at a one-year low

The past 1 to 2 years have certainly not been easy times for new homeowners. Throughout the year 2022, mortgage interest rates doubled to tripled within a few months. As a result, many prospective homeowners had to reconsider their purchase. Can I still afford homeownership considering current interest rates? Do I even want to? What will my monthly costs be? 

But we have good news for you. Current mortgage interest rates are the lowest they have been in over a year. The best offers our financial partner could find in the market are currently again below 2% for fixed-rate mortgages with a long term. If you are looking for a property, now is probably a good time to make your move. 

 

Indicative interest rates from our financial partner, Strike.

Saron

5y fixed-rate

10y fixed-rate

2,40 %

1,64 %

1,70 %

 

These interest rates are the lowest offers in the market (as of January 03, 2024). These interest rates are purely indicative and do not constitute a binding mortgage offer. Your actual offers from financial institutions depend on your specific situation. 

 

Large offer in the market

The current market has a particular advantage to buyers: there is an exceptionally high number of properties listed for sale. For you as a buyer, this means that you can choose from many offers, giving you more room to negotiate with the buyer. 

 

Winter season is for buyers

The upcoming winter season, too, makes a purchase particularly attractive. Not only are there currently an above-average number of properties listed for sale, but our data also clearly shows that towards the end of the year, fewer people are actively searching for a property. In other words, towards the end of the year, there are fewer buyers in the market, meaning less competition. 

 

The biggest offer of properties for sale

Quickly access hundreds of properties for sale throughout Switzerland and find what you are looking for with advanced search features, search alerts and Early Access to specific properties. 

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Vincent Privet
Vincent Privet
Chief Operating Officer

A HEC lausanne & IIMB Bangalore graduate, Vincent has four years of experience with Deloitte, Credit Suisse and the Delarive Group. His taste for entrepreneurship and innovation led him to join the Neho agency from the very beginning. Proactive and an excellent communicator, he effectively manages our network of experts.

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Contents
  • Interest rates at a one-year low
  • Large offer in the market
  • Winter season is for buyers
  • The biggest offer of properties for sale

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