Timing: 6-12 months before maturity
For a maturing fixed-rate, start comparisons 6-12 months before. You can sign with a new bank months in advance — they'll wait for maturity to transfer. Most banks offer a 3-6 month rate guarantee.
Early exit penalties
Exit penalty = (your rate - current market rate) × remaining capital × remaining term. If rates dropped, it's cheap or zero. If rates went up, expensive (5-10% of capital).
SARON: full flexibility
With 3-month SARON, you can exit each quarter without penalty. The margin added to SARON varies widely between banks: online banks and some cantonal banks are generally more aggressive than the national big banks. On a large mortgage, that margin gap runs to thousands of francs a year — so it pays to compare.
How Polia helps
Run the mortgage wizard on /devis/mortgage. Get a personalized comparison of 3-5 banks within 24 business hours. Polia is paid identically by all partner banks — no bias.
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